Mortgage Loan Officer - Idaho Falls

ICCU•Idaho Falls, ID

About The Position

The Mortgage Loan Officer increases mortgage loan business by making 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 includes conducting pre-approval analysis, supporting branch staff with training, cross-selling Credit Union products and services, and attending loan closings. The position requires meeting minimum monthly sales expectations established by the VP of Mortgages and maintaining high standards of member service, professionalism, attendance, quality, and quantity of work. The Mortgage Loan Officer must comply with the Bank Secrecy Act and USA Patriot Act as implemented by Idaho Central Credit Union, maintain NMLS registration, and be eligible for ICCU membership to obtain employment. Physical requirements include manual dexterity, extended sitting, lifting 20–40 pounds, repetitive hand and wrist movements, reaching keyboards, and operating basic office machines.

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 ICCU membership to obtain employment.
Ability to perform tasks requiring manual dexterity, including 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.
Develop business and generate leads from real estate agents.
Make sales calls and presentations to prospective Real Estate Agents, Builders, and Business Partners to develop long-term relationships.
Handle applications and manage communication throughout the loan process.
Perform pre-approval analysis of new mortgage applications, including reviewing income and 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 and exceed members’ expectations throughout the mortgage process, and maintain professionalism, courtesy, attendance, quality, and quantity of work.
Comply with the Bank Secrecy Act and USA Patriot Act as implemented by Idaho Central Credit Union.