Mortgage Loan Officer Position Available In New Hanover, North Carolina

Mortgage Loan Officer IILocation:

Shallotte, NC areaCorning Credit Union is seeking a Mortgage Loan Officer II to join our Real Estate Services Team.

Corning Credit Union (CCU) is one of the leading credit unions in the nation with $2.4 billion in assets and more than 160,000 members worldwide. Headquartered in Corning, NY, we also have facilities in Wilmington, NC, Myrtle Beach, SC, and Franklin County, PA.We’re committed to helping our members prosper by being a trusted advisor for financial services.

CCUs vision is simple:

To provide better service to our members than they receive anywhere else in the world. Our growth is fueled by that vision, and it doesnt stop with our members. We are also committed to fostering a strong service culture within the organization. Teamwork, open communication, and valuing the individual are just a few of the key performance standards that help us provide an exceptional work environment for our outstanding team.

If you share our passion for serving others, then CCU is the place for you to build a rewarding career. In addition to the vast opportunities that exist within the organization, CCU also offers a competitive base salary and annual bonus plan along with an exceptional benefits package. With a strong emphasis on our team and dedication to excellent customer service, Corning Credit Union continues to be an employer of choice across the markets we serve.

Role Summary:

The Mortgage Loan Officer II works to secure CCU’s position as a mortgage leader within the marketplace and assists members in identifying and qualifying for a mortgage loan product that meets their financial needs while also ensuring sound lending decisions for the Credit Union.

Essential Job Duties

• Is highly knowledgeable regarding all applicable regulations and ensures adherence to Fair Lending requirements
• Interviews loan applicants and assists members with the loan application process
• Evaluates member’s financial needs, identifies special loan requirements, and makes sound loan decisions when determining if the member is a candidate for approval
• Conducts member education and assists the members in selecting the right product for their needs
• Is creative in evaluating and offering alternative options if the member is unable to assume the mortgage requested
• Executes accurate calculations and disclosures
• Strong selling skills. Able to recognize opportunities that benefit the member and the credit union
• Must have advanced knowledge of Freddie Mac and how it relates to the Mortgage industry
• Must have detailed knowledge of the Credit Union mortgage products and a general understanding of competitor products and how they compare to each other
• Builds and maintains strong realtor relationships and attends outside events and functions, as needed, in order to grow the business and secure our reputation within the marketplace
• Also possesses detailed knowledge in a specialized area of mortgages such as; construction, investment, or first time home buyer
• Also assumes responsibility for other duties as required or assigned.

Required Competencies

• Current NMLS registration is required acknowledging Corning Credit Union as your employer
• Possesses extraordinary judgment and decision making skills
• Member focused, positive attitude and quality results oriented
• Key contributor to overall loan goals and meets required sales goals
• Has a general knowledge of all consumer loan services offered
• Has a general knowledge of all Credit Union products and services in order to educate and counsel the member on what best fits their needs
• Exercises good judgment, common sense and intuition when making decisions
• Has strong analytical skills and can think outside the box
• Excels at multi tasking
• Is highly flexible, able to work in a fast paced environment and effectively manage short deadlines
• ble to respond to member and team member inquiries in an efficient manner and on a diverse level and interacts well with Realtors
• Possesses strong communication skills and the ability to communicate openly with members, even in adverse conditions and negative situations
• Displays attention to detail and is accurate in their work
• Possesses strong organizational skills and is adept at keeping the application and pipeline moving as expediently as possible
• Able to work independently and with little direct supervision
• Adapts easily and learns quickly
• Has a detailed understanding of all credit union procedures and policies
• Must be extremely organized and precise
• Possesses solid computer skills and is experienced with various Microsoft programs including Outlook, Word, and Excel.

Strong knowledge of Excel capabilities required.

Education Requirements

• A Bachelors degree in business or finance or commensurate work experience required.

Experience Requirements

• 1-3 years of prior mortgage experience requiredCommunication Skills Requirements
• The ability to read and comprehend moderate to advanced instructions and correspondence
• The ability to write moderate to advanced correspondence within professional etiquette standards
• The ability to effectively present information in one-on-one and group situations.

Physical RequirementsReasonable accommodations may be made to enable individuals with disabilities to perform the role

• Ability to work within a moderately noisy, fast paced environment
• Regular use of computer required
• Specific vision abilities required by this position include close vision and the ability to adjust focus from close range to long range.

Corning Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.