Mortgage Loan Officer

Full-Time Mortgage Loan Officer Job Description Reports to:

Lending Manager FLSA Status:

Nonexempt Position Type:

Full-Time Hours:

All open hours

Overtime:

May be required Summary This position is primarily responsible for providing excellent member service while accurately processing a high volume of lending activities. This role is versatile and is expected to help with both consumer lending and mortgage lending needs. Our Mortgage Loan Officer places value on individual circumstances and helping members achieve their financial goals. The Mortgage Loan Officer must be able to analyze applicants' credit reports and other financial factors to determine if loans should be granted. This role will find opportunities to help our members by recommending products and services that meet their needs. The Mortgage Loan Officer will respond to member inquiries, request loan and financial records, accurately process lending applications, and properly document lending decisions. This role will develop member referral sources by networking with realtors, title companies, builders, and other community organizations. We expect all staff to be guided by our mission, "Enhancing lives…one member at a time." Essential Functions and Responsibilities

• Provide professional, engaging, and courteous member service while handling a high volume of member consumer and mortgage applications
• Listen to applicants' needs and explain the types of loan and credit options available
• Timely and accurately processes loan applications, transactions, data entry, documents, and forms
• Collect and review required documentation for consumer and mortgage loan products
• Maintains professional relationships with and provides loan information and service to members, realtors, title companies, dealerships, and others as necessary
• Maintains constant communication with members via email, phone, and mail from application to closing and post-closing
• Works as a team with mortgage department to take loans through the pipeline
• Prepare and analyze applicants' credit and other financial factors to determine feasibility of granting loans
• Approve loans meeting criteria within specified limit and refer loans exceeding limits to management for approval
• Notifies member to resolve discrepancies (such as late payment history, judgements, etc.) and of loan denial or approval. Sends appropriate documentation within established timeframes as required by policies and regulations.
• Research and resolve member complaints and loan discrepancies and notify supervisor when escalated or outside of capabilities to resolve independently
• Highly knowledgeable of all products and services
• Identify and act upon opportunities to recommend our products and services
• Ability to identify fraudulent activity such as fraudulent cash, checks, and financial requests
• Answer phones, emails, and assist members in person
• Utilize computers, software programs, faxes, printers, calculators, and adding machines
• Adheres to all financial, mortgage, and compliance regulations in addition to all credit union policies and procedures.
• Must be available to work all open hours
• Perform other duties as directed by leadership Core Skills and Competencies

Accountable:

Is dependable and completes work in a timely manner. Is regularly present and punctual and arrives prepared for work. Is committed to doing the best job possible and keeps commitments.

• Attention to

Detail:

Follows detailed procedures and ensures accuracy in documentation, data, and work. Organizes and maintains an appropriate and accurate system of records as necessary. Knowledge and proper application of techniques, skills, accepted practices, equipment, compliance, policies, procedures and technologies to accomplish duties.

Communication:

Delivers friendly, professional, and effective verbal and written communications. Maintains excellent interpersonal skills and honesty. Listens well, explains reasoning for opinions and decisions, invites discussion and feedback, asks questions when necessary, and exercises a professional approach with others. Uses consideration and tact at all times. Acts respectfully to coworkers and members.

• Computer skills: Moderate computer skills, with the ability to learn new software applications in a timely manner.

Confidential :

Keeps confidential information confidential both internally and externally. Maintains member confidentiality inside and outside of the credit union. Regard as confidential any information relating to our members, our computer data and technology, security systems, and any other sensitive information. Demonstrates zero tolerance for gossip.

Conflict Resolution:

Ability to resolve conflicts utilizing a sensible and professional approach for members and employees.

Credible Advisor:

To proactively identify and recommend appropriate products and services to financially benefit the member.

Credit Union Knowledge:

Expert in credit union products, services, lending, and regulations.

Critical Thinking:

Ability to use logic and reasoning to identify strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.

Flexibility:

Ability to multi-task, perform a wide variety of tasks, and change focus quickly while transitioning from task to task effectively. Adapts to varying needs, priorities, expectations, deadlines, and directions. Remains open-minded and changes directions on the basis of new information.

Goal Driven :

Committed to achieving individual, team, and organizational goals.

Initiative:

Proactively approaches member service and efficiently makes use of down-time. Plans work and completes duties without detailed instructions, makes constructive suggestions and solutions, prepares for problems or opportunities in advance, undertakes additional responsibilities, and responds to or resolves situations with minimal supervision when within authority and able.

Integrity:

Required to be honest and ethical.

Judgment:

Considering the relative costs and benefits of potential actions to choose the most appropriate one and the ability to act independently on this information when capable. Makes sound decisions that are based on fact and accepted policies and practices, rather than emotion. Analyzes problems skillfully and uses logic to reach solutions. Maintains focus on the ultimate goal and the overall best interest of the organization when making a decision.

Learning:

Ability to learn and apply new skills to the job.

• Listening skills : Actively listens to determine internal or external member needs and efficiently resolve problems.

Member Service :

Provides engaging, professional, courteous, respectful, high quality member service at all times. Listens and responds effectively to member and internal questions. Builds rapport and addresses members by name. Resolves issues satisfactorily, follows up appropriately, and commits to exceeding expectations.

Numerical Aptitude:

Understanding of numbers and math with ability to add, subtract, multiply, or divide quickly and correctly.

Organized :

Maintains organized work environment, multitasks, and prioritizes workload.

Problem Solving:

Anticipates problems. Considers how a problem and its solution will affect other units. Gathers and analyzes information and weighs alternatives before making decisions. Recommends changes to systems, policies, processes, products and services as needed to make improvements. Takes action as necessary. Takes informed risks. Recognizes and accurately evaluates the signs of a problem. Notifies appropriate parties of problems in a timely manner. Resolves problems independently when appropriate and capable.

Professionalism:

Represents oneself and the Credit Union in a positive and professional manner and builds professional relationships. Maintains a business appropriate appearance.

Risk and Compliance Management:

Adheres to policies and procedures and makes proactive business decisions that limit the organization's financial, regulatory, legal, and reputational risks. Maintains accountability with risk and compliance. Maintains minimal adverse findings in audit, compliance, regulatory, quality control, loan, and other applicable areas.

Self-Control:

Maintains composure and emotions in check without displaying unprofessionalism while managing difficult and/or escalated member interactions or managing a stressful workload or busy environment. Is non-defensive, open to feedback, and receptive to learning new ideas.

Selling or Influencing Others :

Convincing others to buy merchandise/goods or to otherwise change their minds or actions.

Teamwork :

Is kind and respectful towards all staff. Works well with others including leadership, other departments, and coworkers. Supports and helps coworkers as needed. Works, coordinates, cooperates, discusses, offers opinions, and shares critical information with others involved in a decision, project, department, or location as necessary to complete tasks and improve effective decision making.

Technology:

Comfortable with applicable branch technology and Microsoft Office programs.

Time Management:

Prioritizes tasks and carries out work accordingly and within regulatory limits.

Supervisory Responsibilities None Qualifications Required:

• High School Diploma or equivalent
• At least 2 years experience in the financial industry with at least 1 year of progressive experience in consumer lending
• Self-starter, personable, and approachable

Preferred:

• 3 years experience in mortgage lending and 1 year experience with consumer lending
• Associate's or Bachelor's degree in relatable field
• Sales experience

Education/Certifications/Licenses:

• Mortgage loan officers are required to maintain their registration active and current with the National Mortgage Licensing System (NMLS) throughout their employment Travel Moderate - Employee may be asked to travel to another branch, real estate office, or title company occasionally.

Physical Requirements for this Position These physical demands are representative of the physical requirements necessary for an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable people with disabilities to perform the described essential functions of the position. While performing the responsibilities of the job, the employee is required to hear, listen and interpret verbal information, see and interpret visual information, speak clearly, sit, stand, walk, stoop, bend, kneel, twist, utilize their arms, hands, and fingers to write, type, push, pull, lift, grasp, distribute, organize, and handle various objects. Work Environment The work environment is a professional office serving the public. The noise level is generally moderate. Internal traffic is generally moderate. Other Duties This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change, or new ones may be assigned, at any time with or without notice.

• Integra First Federal Credit Union is proud to be an Equal Opportunity Employer.

I have read and received a copy of this job description. Employee's Name (print):

Employee's Signature:

Date:

Supervisor's Signature:

Date:

Job Type:

Full-time Benefits:

Dental insurance Health insurance Paid time off

Compensation Package:

Bonus opportunities

Experience:

Fair Housing regulations: 1 year (Preferred) Loan origination: 1 year (Preferred)

Sales:

1 year (Preferred) Ability to

Commute:

Powers, MI 49874 (Required) Ability to

Relocate:

Powers, MI 49874: Relocate before starting work (Required)

Work Location:

In person Mortgage Loan Officer

W3803 US

Highway 2/41, Powers, MI 49874 Full-time Full-time Full-Time Mortgage Loan Officer Job Description Reports to:

Lending Manager FLSA Status:

Nonexempt Position Type:

Full-Time Hours:

All open hours

Overtime:

May be required Summary This position is primarily responsible for providing excellent member service while accurately processing a high volume of lending activities. This role is versatile and is expected to help with both consumer lending and mortgage lending needs. Our Mortgage Loan Officer places value on individual circumstances and helping members achieve their financial goals. The Mortgage Loan Officer must be able to analyze applicants' credit reports and other financial factors to determine if loans should be granted. This role will find opportunities to help our members by recommending products and services that meet their needs. The Mortgage Loan Officer will respond to member inquiries, request loan and financial records, accurately process lending applications, and properly document lending decisions. This role will develop member referral sources by networking with realtors, title companies, builders, and other community organizations. We expect all staff to be guided by our mission, "Enhancing lives…one member at a time." Essential Functions and Responsibilities

• Provide professional, engaging, and courteous member service while handling a high volume of member consumer and mortgage applications
• Listen to applicants' needs and explain the types of loan and credit options available
• Timely and accurately processes loan applications, transactions, data entry, documents, and forms
• Collect and review required documentation for consumer and mortgage loan products
• Maintains professional relationships with and provides loan information and service to members, realtors, title companies, dealerships, and others as necessary
• Maintains constant communication with members via email, phone, and mail from application to closing and post-closing
• Works as a team with mortgage department to take loans through the pipeline
• Prepare and analyze applicants' credit and other financial factors to determine feasibility of granting loans
• Approve loans meeting criteria within specified limit and refer loans exceeding limits to management for approval
• Notifies member to resolve discrepancies (such as late payment history, judgements, etc.) and of loan denial or approval. Sends appropriate documentation within established timeframes as required by policies and regulations.
• Research and resolve member complaints and loan discrepancies and notify supervisor when escalated or outside of capabilities to resolve independently
• Highly knowledgeable of all products and services
• Identify and act upon opportunities to recommend our products and services
• Ability to identify fraudulent activity such as fraudulent cash, checks, and financial requests
• Answer phones, emails, and assist members in person
• Utilize computers, software programs, faxes, printers, calculators, and adding machines
• Adheres to all financial, mortgage, and compliance regulations in addition to all credit union policies and procedures.
• Must be available to work all open hours
• Perform other duties as directed by leadership Core Skills and Competencies

Accountable:

Is dependable and completes work in a timely manner. Is regularly present and punctual and arrives prepared for work. Is committed to doing the best job possible and keeps commitments.

• Attention to

Detail:

Follows detailed procedures and ensures accuracy in documentation, data, and work. Organizes and maintains an appropriate and accurate system of records as necessary. Knowledge and proper application of techniques, skills, accepted practices, equipment, compliance, policies, procedures and technologies to accomplish duties.

Communication:

Delivers friendly, professional, and effective verbal and written communications. Maintains excellent interpersonal skills and honesty. Listens well, explains reasoning for opinions and decisions, invites discussion and feedback, asks questions when necessary, and exercises a professional approach with others. Uses consideration and tact at all times. Acts respectfully to coworkers and members.

• Computer skills: Moderate computer skills, with the ability to learn new software applications in a timely manner.

Confidential :

Keeps confidential information confidential both internally and externally. Maintains member confidentiality inside and outside of the credit union. Regard as confidential any information relating to our members, our computer data and technology, security systems, and any other sensitive information. Demonstrates zero tolerance for gossip.

Conflict Resolution:

Ability to resolve conflicts utilizing a sensible and professional approach for members and employees.

Credible Advisor:

To proactively identify and recommend appropriate products and services to financially benefit the member.

Credit Union Knowledge:

Expert in credit union products, services, lending, and regulations.

Critical Thinking:

Ability to use logic and reasoning to identify strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.

Flexibility:

Ability to multi-task, perform a wide variety of tasks, and change focus quickly while transitioning from task to task effectively. Adapts to varying needs, priorities, expectations, deadlines, and directions. Remains open-minded and changes directions on the basis of new information.

Goal Driven :

Committed to achieving individual, team, and organizational goals.

Initiative:

Proactively approaches member service and efficiently makes use of down-time. Plans work and completes duties without detailed instructions, makes constructive suggestions and solutions, prepares for problems or opportunities in advance, undertakes additional responsibilities, and responds to or resolves situations with minimal supervision when within authority and able.

Integrity:

Required to be honest and ethical.

Judgment:

Considering the relative costs and benefits of potential actions to choose the most appropriate one and the ability to act independently on this information when capable. Makes sound decisions that are based on fact and accepted policies and practices, rather than emotion. Analyzes problems skillfully and uses logic to reach solutions. Maintains focus on the ultimate goal and the overall best interest of the organization when making a decision.

Learning:

Ability to learn and apply new skills to the job.

• Listening skills : Actively listens to determine internal or external member needs and efficiently resolve problems.

Member Service :

Provides engaging, professional, courteous, respectful, high quality member service at all times. Listens and responds effectively to member and internal questions. Builds rapport and addresses members by name. Resolves issues satisfactorily, follows up appropriately, and commits to exceeding expectations.

Numerical Aptitude:

Understanding of numbers and math with ability to add, subtract, multiply, or divide quickly and correctly.

Organized :

Maintains organized work environment, multitasks, and prioritizes workload.

Problem Solving:

Anticipates problems. Considers how a problem and its solution will affect other units. Gathers and analyzes information and weighs alternatives before making decisions. Recommends changes to systems, policies, processes, products and services as needed to make improvements. Takes action as necessary. Takes informed risks. Recognizes and accurately evaluates the signs of a problem. Notifies appropriate parties of problems in a timely manner. Resolves problems independently when appropriate and capable.

Professionalism:

Represents oneself and the Credit Union in a positive and professional manner and builds professional relationships. Maintains a business appropriate appearance.

Risk and Compliance Management:

Adheres to policies and procedures and makes proactive business decisions that limit the organization's financial, regulatory, legal, and reputational risks. Maintains accountability with risk and compliance. Maintains minimal adverse findings in audit, compliance, regulatory, quality control, loan, and other applicable areas.

Self-Control:

Maintains composure and emotions in check without displaying unprofessionalism while managing difficult and/or escalated member interactions or managing a stressful workload or busy environment. Is non-defensive, open to feedback, and receptive to learning new ideas.

Selling or Influencing Others :

Convincing others to buy merchandise/goods or to otherwise change their minds or actions.

Teamwork :

Is kind and respectful towards all staff. Works well with others including leadership, other departments, and coworkers. Supports and helps coworkers as needed. Works, coordinates, cooperates, discusses, offers opinions, and shares critical information with others involved in a decision, project, department, or location as necessary to complete tasks and improve effective decision making.

Technology:

Comfortable with applicable branch technology and Microsoft Office programs.

Time Management:

Prioritizes tasks and carries out work accordingly and within regulatory limits.

Supervisory Responsibilities None Qualifications Required:

• High School Diploma or equivalent
• At least 2 years experience in the financial industry with at least 1 year of progressive experience in consumer lending
• Self-starter, personable, and approachable

Preferred:

• 3 years experience in mortgage lending and 1 year experience with consumer lending
• Associate's or Bachelor's degree in relatable field
• Sales experience

Education/Certifications/Licenses:

• Mortgage loan officers are required to maintain their registration active and current with the National Mortgage Licensing System (NMLS) throughout their employment Travel Moderate - Employee may be asked to travel to another branch, real estate office, or title company occasionally.

Physical Requirements for this Position These physical demands are representative of the physical requirements necessary for an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable people with disabilities to perform the described essential functions of the position. While performing the responsibilities of the job, the employee is required to hear, listen and interpret verbal information, see and interpret visual information, speak clearly, sit, stand, walk, stoop, bend, kneel, twist, utilize their arms, hands, and fingers to write, type, push, pull, lift, grasp, distribute, organize, and handle various objects. Work Environment The work environment is a professional office serving the public. The noise level is generally moderate. Internal traffic is generally moderate. Other Duties This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change, or new ones may be assigned, at any time with or without notice.

• Integra First Federal Credit Union is proud to be an Equal Opportunity Employer.

I have read and received a copy of this job description. Employee's Name (print):

Employee's Signature:

Date:

Supervisor's Signature:

Date:

Job Type:

Full-time Benefits:

Dental insurance Health insurance Paid time off

Compensation Package:

Bonus opportunities

Experience:

Fair Housing regulations: 1 year (Preferred) Loan origination: 1 year (Preferred)

Sales:

1 year (Preferred) Ability to

Commute:

Powers, MI 49874 (Required) Ability to

Relocate:

Powers, MI 49874: Relocate before starting work (Required)

Work Location:

In person