Sr. Mortgage Loan Officer

Wellby Financial•Hercules, TX

About The Position

The Senior Mortgage Loan Officer assists current and prospective members throughout the mortgage loan process, from application and approval through closing. The role recommends mortgage products based on each member’s profile, explains product terms and guidelines, and communicates accurately with members, support staff, and management. The position provides direct member service and requires a thorough understanding of mortgage lending legal requirements and administrative processes. The team member works to meet agreed-upon production goals, maintain current knowledge of lending programs and regulatory requirements, protect confidential information, and ensure compliance with mortgage lending policies and applicable laws. The role performs routine and related tasks with limited supervisory direction, uses independent judgment, and is reviewed periodically for accuracy, completion, and compliance. The position does not have supervisory responsibilities. This is a full-time, salaried, exempt role. It involves regular travel to vendor, Wellby branch, and member locations. The work is generally performed in an office environment with a usually moderate noise level. The team member is frequently stationary for approximately 50% of the time and may occasionally lift items weighing up to 25 pounds.

Requirements

High school diploma or equivalent.
At least seven years of experience as a mortgage loan officer, or five years as a loan officer plus two years of mortgage experience or experience as a loan officer assistant.
Experience originating both conventional and government lending products.
Thorough understanding of conventional and government lending underwriting guidelines.
Ability to meet and acquire a Nationwide Multistate Licensing System (NMLS) license.
Valid Texas driver’s license, or ability to obtain one within 30 days of hire.
Must meet Wellby’s Loan Officer monthly minimum standards.
Must be bondable.
Knowledge of Wellby’s organizational functions and general operating policies and procedures.
Knowledge of general office procedures, business English, spelling, punctuation, and arithmetic.
Knowledge of mortgage pricing, rate sheets, products, and guidelines.
Knowledge of personal computers, Microsoft Office Suite, and mortgage loan origination software.
Ability to apply mortgage lending industry standards, laws, and regulations.
Ability to enter data accurately and efficiently into mortgage lending software systems.
Ability to communicate information clearly and exchange accurate information in person, in writing, and by telephone.
Ability to work effectively across departments and pursue origination goals in a fast-paced team environment.
Exceptional member service skills and ability to deal effectively with the public and a wide range of personalities.
Ability to manage multiple concurrent activities and monitor loan details and packages for completeness and accuracy, including under stress.
Ability to follow oral and written instructions, perform routine duties without close supervision, and maintain effective working relationships.
Ability to use computers and general office equipment.
Ability to remain stationary frequently, observe details at close range, and occasionally lift items weighing up to 25 pounds.

Responsibilities

Meet with prospective member borrowers.
Request, review, and analyze member applicants’ credit and financial data.
Determine members’ financing objectives and goals.
Present appropriate mortgage products and programs and explain applicable guidelines and terms.
Discuss interest-rate pricing as required.
Identify opportunities to offer additional loan products and expand business within the existing market.
Collect supporting loan documentation needed to advance applications through the loan process.
Work with compliance and underwriting to satisfy outstanding loan conditions.
Communicate with members throughout the process, including loan closing details and instructions.
Provide an exceptional member service experience throughout the mortgage application process.
Comply with consumer laws, regulations, company guidelines, and mortgage lending policies and procedures.
Complete required training and licensing, and maintain knowledge of lending programs, policies, procedures, and regulatory requirements.
Maintain the confidentiality of information processed.
Achieve mutually agreed-upon personal production goals and monthly minimum standards.
Prepare, complete, and submit required reports as determined by mortgage management.
Use the organization’s loan origination system and mortgage lending software effectively and accurately.
Manage multiple loan submissions and meet required deadlines.
Perform basic math accurately, including calculations involving decimal fractions, rates, and percentages.
Drive regularly to vendor locations, Wellby branches, and customer or member locations.
Exhibit Wellby Core Values and contribute to the team member experience.
Perform other duties as assigned.