We would like you to join our team and be part of a local organization with GREAT benefits that gives back to the community. Our team at CCCU has been dedicated to making our members' financial dreams a reality for over 70 years, and we're looking for an experienced Mortgage Loan Officer to help us continue tradition of excellence and dedication. The position is noncommission based. Working together, we can further strengthen the mission we have for our community. We're also devoted to being a wonderful place to work. Benefits include medical/dental/vision, paid vacation/sick leave and 401k. We invite you to grow your career with

CCCU. POSITION PURPOSE

: Provide professional guidance to members on credit union products and services in accordance with internal policies and applicable state and federal regulations. Interview applicants for real estate loans, gather background information, and assess credit history to determine creditworthiness. Process loan applications and approve or deny requests within substantial lending authority, ensuring sound financial decisions and member satisfaction.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

Grow the mortgage loan portfolio by conducting outreach to realtors, contractors, and other industry partners. Establish and monitor control procedures for the first-mortgage loan portfolio to ensure compliance, accuracy, and performance. Interview loan applicants and guide members through the mortgage application process, handling loans of the highest complexity, value, and risk. Obtain and evaluate credit bureau reports; verify outstanding debts and calculate monthly payments for unlisted obligations to ensure complete financial assessment. Approve or deny real estate loan applications based on thorough analysis; communicate decisions and provide guidance on denials. Ensure accurate processing of all real estate loans and prepare complete loan application and documentation packets for closing. Coordinate payment of title company fees for title searches, legal services, and appraisals. Calculate and pay real estate taxes, including adjustments for tax shortages and revised monthly payments. Maintain accurate records of insurance and tax obligations for real estate loans. Train new mortgage loan officers and provide ongoing support and guidance to junior staff.

QUALIFICATIONS

Required Knowledge/ Experience:

Minimum of 2 years' experience in a Mortgage Loan officer position. Preferably experience working within a credit union, financial institution, or membership-based organization. Demonstrated success in implementing process improvements that enhance member experience.

Skills/Abilities:

Good communication skills. Professional appearance, dress, and attitude. Good math skills. Ability to operate related computer applications and other office equipment including adding machine, copy machine, coin and money counting machines, and telephone. Good typing skills Knowledge of all secondary market mortgage programs. Strong communication skills are essential for effectively addressing member concerns and collaborating with internal departments. Additionally, problem-solving skills are critical for resolving complex member issues and ensuring a positive experience for all members.