Mortgage Loan Officer

Credit Union of Georgia•Jasper, GA

12d

About The Position

Credit Union of Georgia is seeking a Mortgage Loan Officer to guide members through the mortgage lending process and identify financing solutions aligned with their homeownership goals. The role builds meaningful member relationships and applies knowledge of mortgage products, lending guidelines, and industry practices to provide personalized guidance, facilitate a smooth loan experience, support members’ financial well-being, and advance the credit union’s lending objectives. The Mortgage Loan Officer also contributes to branch operations, business development, community relations, and membership growth. The role requires adherence to credit union policies, applicable laws and regulations, and ongoing training requirements.

Requirements

At least two years of experience in residential mortgage lending, including HELOCs or other mortgage products.
Experience with mortgage lending software.
Strong communication, analytical, organizational, and time-management skills, with exceptional attention to detail.
Ability to explain complex mortgage products and processes in simple, understandable terms.
Commitment to exceptional member service, professionalism, and Credit Union of Georgia values.
Willingness to learn, adapt, and pursue continued professional growth.
Maintain active NMLS registration throughout employment, as required for the position.
Complete all required annual compliance and regulatory training.

Nice To Haves

Prior underwriting or credit analysis experience.
Associate degree or specialized business or trade school coursework.

Responsibilities

Uphold Credit Union of Georgia brand standards and follow its member journEASE service steps: Engage, Ask, Solve, and Excite.
Develop referral contacts, including realtors, builders, and professional and personal contacts, to meet established production goals.
Receive and screen loan applications; request and analyze credit, appraisal, flood, and secondary-market automated underwriting services and findings.
Gather financial data and submit qualified applications to underwriting, providing additional information as requested.
Act as liaison between members and underwriters, verifying relevant guidelines and loan conditions before and after approval.
Ensure supporting documentation and records are prepared accurately in accordance with credit union policies and procedures.
Build and maintain internal and external member relationships while meeting loan processing and servicing time constraints.
Respond promptly to member service needs while maintaining financial privacy requirements.
Communicate and collaborate openly with team members; provide backup in other roles as needed.
Develop working knowledge of mortgage lending and servicing, and maintain knowledge of credit union products and services to identify cross-selling opportunities.
Participate in daily branch operations and business development activities to serve current and prospective members.
Direct and participate in public and community relations activities to promote the credit union.
Serve as a liaison for external community involvement and internal member relations; promote credit union awareness and identify membership growth opportunities.
Participate in business development and community outreach programs to establish relationships that enhance credit union growth and recognition.
Complete assigned training to stay current on compliance, guidelines, servicing, and market changes.
Comply with credit union policies and procedures and applicable laws and regulations, including the SAFE Act, Bank Secrecy Act, Patriot Act, and Office of Foreign Assets Control requirements.
Perform other duties as assigned.