Mortgage Loan Officer

Hanscom Federal Credit Union•Mc Lean, VA

6d•Hybrid

About The Position

It’s an exciting time to be at Hanscom Federal Credit Union! As a member of our Mortgage Sales Department, you will join a dynamic team of purpose-driven individuals committed to delivering exceptional service to our members. We are a members-first organization, prioritizing integrity, teamwork, innovation, and empathy in all our decisions and interactions. We offer a competitive commission program, comprehensive benefits, and a flexible hybrid work schedule. We are committed to fostering career growth and development, viewing this not just as a job but as an opportunity for progression.

Requirements

Strong desire to work in a purpose driven organization
Must have 5 – 8 years of verifiable, successful expertise in Real Estate Loan origination (or applicable sales related experience) with a working knowledge of all state and federal (Fannie Mae and VA guidelines) mortgage regulations.
A two-year college degree or completion of a specialized course of study at a business or trade school equivalent to approximately 64 credit hours.
Must become registered as a Hanscom Federal Credit Union Mortgage Loan Originator (MLO) with the National Mortgage Licensing System (NMLS).
Strong written and oral communication skills with the ability to effectively communicate information over the telephone and in person.
Exemplary public speaking skills similarly required.
Willingness to work hours outside of the typical “9am to 5pm” week, including weekends, as responsibilities require.
Must be authorized to work in the US

Responsibilities

Develop, maintain and solicit residential first mortgage and HELOC loan business through effective relationships with real estate agents, community organizations (such as local Chamber of Commerce and Board of Realtors) and other referral sources (such as financial planners, attorneys, builders) to promote awareness of HFCU’s products and services.
Represent the credit union in a professional manner and provide quality service to current and potential members.
Guide new and existing members, including first-time homebuyers, through the application process.
Conduct person to person interviews with members who request an appointment for a mortgage loan or HELOC, and complete the application for the member during the interview.
Counsel applicants on credit, affordability and conducts pre-qualification analysis.
Explain rate, terms, payment amounts and closing costs to the member.
On a timely basis, respond to member e-mail and telephone inquiries requesting information on products, services, and problem resolution.
Develop and present real estate financing related seminars and workshops at branch and other locations.
Follow up with interested parties for pre-qualification, general mortgage counselling and score enhancement when appropriate.
Actively manage individual loan pipeline and provide consistent and timely follow up to members to ensure minimum turnaround time and enhance the members’ experience.
Provide activity reports to the SVP, Residential Loan Sales as requested or required.
Complete all necessary loan data in relevant POS & LOS systems as required, meet all compliance deadlines and requirements and work with Residential Loan Operations staff to achieve a timely and efficient approval and closing process.
Cross-sell all HFCU products and services where possible.
Keep informed of trends and developments in the real estate loan market and make recommendations to improve products, services, policies and procedures.
Perform such other duties and functions as requested or required from time to time.