Mortgage Loan Officer

Credit Union of Georgia•Jasper, GA

About The Position

Credit Union of Georgia is seeking a Mortgage Loan Officer to help members achieve their financial goals and make homeownership possible. The role builds relationships with members, guides them through the mortgage lending process, and identifies financing solutions aligned with their homeownership goals. The Mortgage Loan Officer applies knowledge of mortgage products, lending guidelines, and industry practices to provide personalized guidance, support a smooth loan experience, promote members’ financial well-being, and advance the credit union’s lending objectives.

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’s 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 the member journEASE experience—Engage, Ask, Solve, and Excite—to deliver top-level member service.
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 for underwriting approval.
Provide underwriters with additional information as needed and serve as liaison between members and underwriters, checking loan guidelines and 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, meet loan processing and servicing time constraints, respond promptly to member needs, and protect financial privacy.
Communicate and collaborate effectively with the team, demonstrate flexibility, and provide backup in other roles as needed.
Develop and maintain thorough knowledge of mortgage lending and servicing, as well as Credit Union of Georgia products and services, and identify cross-sell 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, promote the credit union, and serve as a liaison for external community involvement and internal member relations.
Promote credit union awareness in the community and identify opportunities for membership growth.
Work with Business Development and community outreach programs to establish and maintain relationships that support the credit union’s growth and recognition.
Complete assigned training to stay current with 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.