Compare your current skills to what this opportunity needs—we'll show you what you already have and what could strengthen your application.
Job Description
Mortgage Loan Officer Castparts Employees FCU Portland, OR Job Details Full-time $60,000 - $92,000 a year 3 hours ago Qualifications MLO License Financial sales Microsoft Excel Debt-to-income ratio calculation Microsoft Outlook Mortgage lending Mortgage services Basic math Regulatory compliance Financial statement analysis Home Mortgage Disclosure Act (HMDA) Real Estate Settlement Procedures Act (RESPA) High school diploma or GED Financial report interpretation Desktop applications Debt-to-income ratio analysis Financial statement interpretation Meeting or exceeding sales goals
FNMA TRID
compliance Full Job Description Looking for a position where you can help members with their most important purchase? We're looking for a member focused individual with mortgage lending experience to join our team. The perfect candidate will have, among other talents, their NMLS license, a high school diploma or equivalent, a college degree or work experience in the field, three + years mortgage lending experience, and a solid background in compliance and mortgage origination. Consumer equity lending experience is a plus. Here are the details…
Position Purpose:
Process, and review member loan requests for purchase money mortgage loans and refinances. Proactively identify ways to maximize a member's credit union experience through cross-selling the credit union's products and services. This is a full-time position, Monday - Friday.
Duties and Responsibilities:
Under limited guidance, the Mortgage Loan Officer will successfully field member inquiries which relate to mortgage products and program guidelines, credit requirements, application completion and interest rates, terms and fee structures. Originates high quality residential mortgage loans under a variety of programs, which meet the Credit Union's lending policy Responsible for the coordination, preparation and quality assurance of residential mortgage program, ensuring transaction accuracy and compliance with regulations, product terms, program policies and guidelines Must have the ability to work in a fast-paced environment and possess a comprehensive knowledge of credit union lending programs, policies, procedures and regulatory requirements; complying with all Federal and State laws and adhering to HMDA requirements Collaborate with CU branch staff in cross-selling CU mortgage products and services Receive and respond to member inquiries regarding loans, loan applications, rates, terms, and member accounts Discuss options with a borrower, evaluate their credit and guide them through the process of application Order appraisals, title insurance, collect payoffs from lenders, schedule closings Responsible for generating accurate loan disclosures in a timely manner, complying with all applicable regulations; preparing all paperwork required to secure the credit union interest in real estate pledged as collateral for loans; gathering all documents required for loan disbursement and completing necessary verifications Conduct loan signings/closings with members Disburse loans according to established procedures Follow-up and render assistance in the area of closing and post-closing outcomes Perform other duties as assigned Requirements NMLS Required; maintain a status in good standing under SAFE Act requirements High school diploma or equivalent certificate required At least three years previous mortgage lending experience in originating, and processing Required experience includes producing work that meets sales goals and meets all compliance requirements (TILA/RESPA, Reg Z, HMDA, Reg B) Solid knowledge and experience originating mortgage loans for FHLMC/FNMA, FHA, USDA and VA is preferred Strong interpersonal and communication (verbal/written) skills to exhibit professionalism and the ability to work in a diverse community, utilizing tact, discretion and courtesy with members and coworkers Must have an exceptional member service ethic Work independently; appropriately manage daily workflow to ensure optimum productivity. Exercise sound judgment, problem solving and attention to detail Ability to use a personal computer showing proficiency in standardized software applications, including Microsoft Word, Excel, PowerPoint and Outlook Ability to perform basic math calculations (addition, subtraction, multiplication, division, percentages, debt ratios) Basic ability to analyze and interpret personal and business financial statements
