Senior Home Loan Officer

STCU•Spokane Valley, WA

6d•$20 - $51

About The Position

A Senior Home Loan Officer is responsible for performing high volume, accurate and timely Real Estate lending functions, including government loans (FHA/VA), in alignment with STCU loan standards and procedures. This position also provides training, mentoring and support to other Home Loan Officers. Mortgage Loan Production Interview and process first mortgage loan applications, ensuring accurate information. Evaluate loan applications, credit reports, title reports, appraisals, inspections and supporting documentation; making mortgage loan recommendations while conforming to guidelines of STCU policies and/or secondary market guidelines. Set clear expectations with members on timelines, loan conditions and closing dates. Develop working knowledge of Government (FHA/VA) lending guidelines and procedures. Relationship Development/Service Deliver quality service to members in order to develop and nurture real estate relationships and increase referrals. Develop and maintain relationships with branch employees, as well as business partners for training on real estate products and referral development. Attend all closing meetings for purchase transactions. Take ownership of issues by acting as the members advocate. Follow through on all commitments. Achieve a high level of efficiency in real estate transactions to meet the members’ needs and maximize production. Provide members with solutions to financial needs recommending appropriate STCU products and services. Identify and coordinate opportunities with other departments maximizing their expertise to fulfill corporate objectives and extend financial aid.

Requirements

A minimum of five years mortgage lending experience in a financial services environment. This includes knowledge of mortgage terms, title insurance, and required mortgage processing procedures.
Previous experience in mentoring, training, and/or coaching strongly preferred. This includes knowledge of mortgage terms, title insurance and required mortgage processing procedures.
National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008 is required.
Ability to acquire and maintain knowledge of Government (FHA/VA) lending guidelines and procedures.
Proficient knowledge of MS Office programs including Outlook, Word and Excel.
Must be able to regularly talk, hear, see and operate a computer keyboard and mouse.
Occasionally lift, pull/push, and carry up to 10 pounds.

Responsibilities

Interview and process first mortgage loan applications, ensuring accurate information.
Evaluate loan applications, credit reports, title reports, appraisals, inspections and supporting documentation; making mortgage loan recommendations while conforming to guidelines of STCU policies and/or secondary market guidelines.
Set clear expectations with members on timelines, loan conditions and closing dates.
Develop working knowledge of Government (FHA/VA) lending guidelines and procedures.
Deliver quality service to members in order to develop and nurture real estate relationships and increase referrals.
Develop and maintain relationships with branch employees, as well as business partners for training on real estate products and referral development.
Attend all closing meetings for purchase transactions.
Take ownership of issues by acting as the members advocate.
Follow through on all commitments.
Achieve a high level of efficiency in real estate transactions to meet the members’ needs and maximize production.
Provide members with solutions to financial needs recommending appropriate STCU products and services.
Identify and coordinate opportunities with other departments maximizing their expertise to fulfill corporate objectives and extend financial aid.