Sr. Home Loan Officer - Business Development

GESA CREDIT UNION • Fernan Lake Village, ID

87d • $45,760 - $350,000

About The Position

Take a leap and join our team! At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together. Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Requirements

• Three to five years of similar or related experience; mortgage lending experience desired.
• High school diploma or equivalent completion of specialized course of study, training, and experience.
• Bachelors degree in Business Administration or Finance is preferred but not required.
• Obtain and maintain valid NMLS Mortgage Loan Originator Identification (MLO) Number.
• Extensive knowledge of conforming and non-conforming loans as defined by the secondary market desired.
• Experience with Desktop Underwriting or other lending-specific software desired.
• Experience in the development of new business through calling on the real estate community and membership in professional organizations, with a proven outside sales track record desired.
• Experience in loan origination consistent with FNMA guidelines, as well as FHA and VA loan originations desired.
• Proficiency with standard office equipment, lending software, spreadsheets, and word processing.
• Independent travel is required to achieve training and business objectives.
• A valid Driver’s License is required.

Nice To Haves

• Bachelors degree in Business Administration or Finance.
• Experience with Desktop Underwriting or other lending-specific software.

Responsibilities

• Meet the minimum established individual goals each month.
• Make in-person calls on real estate agents and brokers, financial advisors, builders, and other potential referral sources to develop borrower leads.
• Meet prospective clients at locations outside of Gesa as needed.
• Attend open houses and other industry events as needed.
• Perform the loan origination function in a thorough and complete manner.
• Ensure that all approved loans comply with applicable regulations, established loan standards, and have zero errors.
• Maintain a professional, courteous, and friendly atmosphere for members and co-workers.
• Demonstrate a working knowledge of all mortgage products and rates.
• Troubleshoot and resolve member and internal inquiries in a timely, friendly, and accurate manner.
• Interview members for residential mortgage loans, and clearly explain financing and mortgage programs and their requirements.
• Inform members of results of preliminary financial analysis.
• Calculate loan estimates.
• Monitor status of loans; process loan in a timely manner.
• Understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
• Attend Credit Union training sessions, conferences, and seminars as approved by supervisor.
• Build positive relationships with real estate agents and members of the community to increase production of loan sales.
• Promptly report areas and actions of concern to supervisor as actionable.
• Display mutual respect, trust, and dignity, acting in the best interest of the Credit Union.
• Control risk and perform duties in a safe and sound manner.
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.

Benefits

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

What This Job Offers

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