Sr. Home Loan Officer - Business Development

GESA CREDIT UNION•Boise, ID

About The Position

Under the direction of the Production Manager/Team Leader – Business Development (BD), the Sr. Home Loan Officer - BD generates leads, develops, and maintains referral relationships, and assists members with their mortgage lending needs. The position is responsible for analyzing loan requests and making credit decisions based on the mortgage lending policy, originates real estate first mortgage loans for the credit union’s portfolio or for sale on the secondary market for existing members and for new members obtained through business development efforts and outside sales, and projects a professional image and maintains confidentiality with all member and sensitive data.

Requirements

Ability to multi-task on numerous projects simultaneously.
Ability to effectively communicate in writing, in person and over the phone.
Ability to make quality decisions in a timely manner with extreme attention to detail.
Ability to work with minimal supervision.
Ability to promote and maintain a productive work environment.
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.
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.
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 is preferred but not required.
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.

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. It is expected the Home Loan Officer will spend significant time out in market selling loan products and generating leads.
Meet prospective clients at locations outside of Gesa as needed.
Attend open houses and other industry events as needed.
Home Loan Officers focused on business development will have office availability at a Gesa location, but the flexibility for significant time outside of the office generating business as needed.
Perform the loan origination function in a thorough and complete manner. Adhere to Credit Union policies and procedures.
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, both within the Credit Union and from the industry overall.
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.
Must 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. Maintain awareness of policies and regulations related to duties and responsibilities.
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. Lead by example by always displaying solid ethics and integrity.
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. Consistently display respect for all areas of diversity and levels of knowledge.