Mortgage Loan Officer - Lewiston/Moscow

ICCU•Lewiston, ID

19d

About The Position

The Mortgage Loan Officer increases mortgage loan business by making regular sales calls and presentations to prospective real estate agents, builders, and business partners to develop long-term relationships. The role markets Credit Union mortgage products within ICCU’s geographical field of membership, generates leads, handles applications, and manages communication throughout the loan process. It also promotes and cross-sells other Credit Union products and services. The position performs pre-approval analysis of mortgage applications, including review of income and asset documents, tax returns, credit reports, and Automated Underwriting System findings. The officer assists with training branch team members on Loan Origination Systems or Encompass best practices and purchase program guidelines, and attends all loan closings. The Mortgage Loan Officer must meet the minimum monthly sales expectations established by the VP of Mortgages and work to meet or exceed members’ expectations throughout the mortgage process. The position requires professionalism, courtesy, attention to attendance and work quality and quantity, and compliance with the Bank Secrecy Act and USA Patriot Act as implemented by Idaho Central Credit Union. Applicants must be eligible for ICCU membership to obtain employment. ICCU is an Equal Opportunity Employer and makes employment decisions without regard to protected characteristics.

Requirements

Bachelor’s degree or equivalent experience.
Ability to work under pressure and organize tasks for optimal sales performance.
Excellent attention to detail, communication, and interpersonal skills.
Ability to maintain NMLS registration.
Must be eligible for membership at ICCU to obtain employment.
Ability to perform manual-dexterity tasks such as processing paperwork, filing, stapling, sorting, collating, typing, and counting cash.
Ability to sit for extended periods.
Ability to lift 20–40 pounds of applicable supplies.
Ability to perform repetitive motion using wrists, hands, and fingers and reach keyboards.
Ability to operate basic office machines, including a calculator, computer, telephone, copy machine, and fax machine.

Responsibilities

Market Credit Union mortgage products within ICCU’s geographical field of membership.
Make regular sales calls and presentations to prospective real estate agents, builders, and business partners to develop long-term relationships.
Develop business and generate leads from real estate agents.
Handle mortgage applications and manage communication throughout the loan process.
Perform pre-approval analysis of mortgage applications, including reviewing income documents, asset documents, tax returns, credit reports, and Automated Underwriting System findings.
Assist in training branch team members on Loan Origination Systems or Encompass best practices and purchase program guidelines.
Cross-sell Credit Union products and services when possible.
Attend all loan closings.
Achieve the minimum monthly sales expectations established by the VP of Mortgages.
Meet or exceed members’ expectations throughout the mortgage process and comply with applicable Bank Secrecy Act and USA Patriot Act requirements.