Mortgage Loan Officer

Affinity Plus Federal Credit Union • Bemidji, MN

10h • Hybrid

About The Position

A Mortgage Loan Officer assists current and potential members with all of their mortgage needs. A Mortgage Loan Officer will prepare, analyze, process, and document all Real Estate applications. In addition, this role is accountable for analyzing member’s financial background and either pre-approve or deny applications based on this analysis.

Requirements

• 2+ years of customer service experience
• 2+ years of lending experience
• Strong analytical and decision making skills required with a high degree of accuracy
• Aptitude to work independently as well as part of a team and ability to collaborate with others
• Strong verbal and written communication skills
• Time Management skills and the ability to prioritize workload based on department and member needs
• Flexibility to adapt and succeed in a dynamic environment
• Ability and drive to provide exceptional service to members and employees
• Intermediate computer skills and the ability to navigate between multiple systems with ease
• Understand investor guidelines when giving pre-approvals under FNMA and FHLMC guidelines
• Ability to maintain regulatory guidelines set forth by the NCUA, CFPB, and Affinity Plus and apply them to loan files.

Nice To Haves

• B.S. or B.A. degree preferred or equivalent work experience

Responsibilities

• Originate loan applications by collecting appropriate documentation and verify details with real estate teams
• Review and analyze applications for pre-approval recommendations to underwriters
• Assess loan attributes and documentation for accuracy and compliance
• Develop new referrals through networking and reaching out to current members with opportunities for refinancing or additional products
• Partner with real estate team throughout the mortgage process as the point of contact for the member
• Identify opportunities for savings, recommending Affinity Plus products and services that benefit our members
• Deliver and maintain production standards that are set for the role and market.
• Other duties as assigned.

Benefits

• low-cost medical, dental and vision insurance coverage options
• frontloads all sick time hours and a portion of vacation hours for all new employees
• variety of paid leave options
• monthly wellness benefit
• immediate 401K matching up to 5%

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree
• Number of Employees: 251-500 employees