Mortgage Retail Loan Officer

Randolph Brooks Federal Credit Union • San Antonio, TX

7d

About The Position

The Mortgage Retail Loan Officer is responsible for the origination of FHA/VA, Conventional, Portfolio and Jumbo mortgage loans in accordance with government, FNMA, RBFCU or investor guidelines. The Loan Officer will conduct a thorough needs analysis, which will assist in guiding borrowers into the most suitable loan program; collaborate with various internal/external partners throughout the entirety of the mortgage process; build and maintain relationships with Kuper Realty and other non-affiliated Realtor and Builder groups; and will serve as the source of contact throughout the origination process.

Requirements

• High School Diploma or GED
• Minimum of 12 months experience as a loan officer or processor utilizing Fannie Mae Desktop Underwriter
• Ability to perform in a high volume and fast paced environment while maintaining a pipeline of within institution service level requirements
• Proficiency with Excel, Outlook, Word, Power Point and DocuSign
• Ability to support referral partners during the evening or on weekends
• Ability to attended community outreach and business development events as needed
• Strong written and verbal communication skills
• Must be able to pass the registration requirements for the Nationwide Mortgage Licensing System
• Ability to work Saturday shifts as necessary

Nice To Haves

• Bachelor’s degree
• Bilingual in English and Spanish
• Experience with Encompass LOS and Blend POS

Responsibilities

• Interview, collect, examine and evaluate borrower financial and personal data to counsel and recommend appropriate residential lending products.
• Build and maintain relationships with referral partners.
• Accurately complete required disclosures as required.
• Submit loan through an AUS to determine eligibility.
• Interpret AUS findings and communicate required documentation items needed for closing.
• Review earnest money contract for pertinent information as it relates to the loan transaction.
• Obtain and analyze required member documents related to mortgage loan request.
• Effectively manage the mortgage transaction by communicating with all parties involved including borrowers, real estate agents, builders and/or other third-party partners.
• Serve as a member advocate, while maintaining the integrity of all RBFCU's policies and procedures.
• All other duties as assigned (note: essential functions and responsibilities may change, or new ones may be assigned at any time with or without notice).

Benefits

• 401(k) with matching incentives — up to 10 percent
• Competitive pay
• Medical, vision and dental benefits available to employees and their families from the first day of employment
• Tuition reimbursement plans
• Life insurance
• Pharmacy discount programs
• Flexible Spending (FSA), Health Savings (HSA) and Dependent Care account options
• Paid time off
• Parental leave
• Long-term disability
• Basic life insurance
• Wellness program
• Credit-monitoring service
• Employee assistance program
• Training and volunteer opportunities

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED