Principal Duties and Responsibilities:

Gathers background information on loan applicants by interviewing loan applicants and obtaining credit bureau reports. Assists members with the loan application process to ensure completeness of information. Collects income, employment, assets, debt/liabilities, credit, property information of applicants and co-applicants. Estimate all monthly payments for any outstanding debts not listed on the application and includes respective debts on the application. Calculates debt-to-income and loan-to-value ratios on loan applicants. Determines collateral needs and payment plans for members applying for loans. Determines best loan product and loan options for applicants ensuring loans meet the necessary underwriting guidelines for secondary market loans and/or in-house mortgages. Reviews and denies or approves loan applications up to authority limits. Explains reasons for denial and explores options for members when loans are denied. Verifies the accuracy of loan amounts and repayment terms on approved loan applications. Completes loan documents and loan disclosures accurately and timely, per lending laws and regulations. Recommend new loan products and services in accordance with management direction. Researches, analyzes and reports on all information impacting area of expertise, including, but not limited to, interest rates, real estate activity, title companies, attorneys, and appraisers. Work is reviewed occasionally in progress and periodically for accuracy, timeliness and results. Solicits new business sources and monitors and reports on trends in areas of responsibility. Travels to different WCCU branch locations daily and weekly to support and grow business; and assists with Loan Officer coverage during vacations at various branches. Frequently communicates with other personnel regarding underwriting and pricing criteria and may make loan adjustments to meet those criteria. Conducts loan closings with applicants reviewing final closing documents and figures. Implements relevant aspects of strategic plans, budgets and sets goals and assists in ensuring that budgeted goals and objectives are achieved in areas under direct control. May occasionally meet with and speak to community or private groups to answer their questions about or to promote obtaining loans. Complies with applicable mortgage laws, regulations, company guidelines, etc. Maintains a current knowledge of accounting, compliance or other policies, procedures, guidelines and current standards. Informs the supervisor of legal, auditing, compliance or other problems as necessary. Cooperates with auditors or compliance officers as necessary. Maintain an active NMLS number per SAFE Act requirements with WCCU. Prepares required reports as necessary. Maintains the confidentiality of all information processed. Adheres to applicable general Credit Union policies and procedures. Explains Credit Union services and charges to members. Demonstrates continuously a helpful, friendly attitude. Looks for opportunities to sell and/or refer Credit Union products and services to members and prospective members. Maintains a neat and orderly work area and ensures that all negotiables and confidential records are properly secured. Keeps abreast of changes in real estate lending trends. Maintains orderly files on each account with attention to complete and accurate detailing of all problems or correspondence. Other job-related duties as may be necessary to carry out the responsibilities of this position.

Work Relationships and Scope:

Reports directly to the Mortgage Lending Manager. Will have regular contact with members and employees of the Lending Department.

Performance Dimensions:

Must maintain the integrity of confidential business information and follow all guidelines on confidentiality. Provide outstanding services to co-workers & members. Possess the ability to attend to numerous details with frequent interruptions under the stress of maintaining courteous, effective, and timely relations with a variety of individuals and personalities. Promotes quality, accuracy, timeliness, reliability, and thoroughness of work performed. Is punctual, flexible, reliable, and demonstrates a friendly and helpful attitude. Possess ability to gain the trust and respect of members, management, and employees. Also maintains a positive, professional, team-oriented working relationship with staff and outside vendors. Enhance job growth through continuing education, as required or necessary.

Knowledge, Skills and Abilities Required:

Education/Experience:

Bachelor's degree in business or a related field. An equivalent combination of education and experience may be substituted. 2-3 years minimum mortgage loan origination experience in a mortgage lending department. Knowledge of the real estate loan policies, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan needed. Knowledge of interviewing skills and techniques required. Professional sales experience beneficial.

Skills and Abilities:

Professional, well-developed interpersonal skills essential for interviewing loan applicants and projecting a positive image as a representative of the Credit Union. Ability to maintain stable and courteous business relations with realtors, appraisers, employees, etc. Ability to perform basic mathematical calculations. Ability to work with a wide range of personalities in a courteous, effective, and efficient manner. Knowledge and ability to apply current financial service industry standards, laws, and regulations. Ability to present ideas, report facts and other information clearly and concisely. Proficient knowledge of the Microsoft Suite (Outlook, Word, Excel, PowerPoint). Proficient operation of a variety of general office equipment such as a computer, software applications, typewriter, calculator, telephone, copy machine, fax machine and other similar devices or programs related to the position.

Job Type:

Full-time Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Life insurance Opportunities for advancement Paid time off Parental leave Referral program Retirement plan Vision insurance

Work Location:

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