Mortgage Loan Officer

About us Pathfinder Federal Credit Union isn't just a credit union, we're a partner. Becoming an employee at Pathfinder means someone has your back. Being part of a Pathfinder Community means you've got a partner ready to support our common goals. Being a member of Pathfinder means that we work for you. We aim to provide you with support, resources and financial tools to help you in your day-to-day life. We understand you're busy, so we strive to make banking simple and convenient. The best part is, we are just like you. No stuffed shirts or corporate jets here. Just regular people helping others. We understand you, because we are you. Pathfinder Federal Credit Union Mortgage Loan Officer -

Job Description Job Title :

Mortgage Loan Officer (MLO) Is Supervision Exercised in

This Position :

Yes FLSA Status :

Exempt - Professional Direct Supervisor(s) : Vice President of Lending (VPL)

Pay Band :

Mid Level Closely, Moderately, or Minimally Supervised :

Moderately Pay Method :

Salary plus commission.

Supervises :

N/A Department :

Lending Full or Part Time Position :

Full-Time Subdivision :

Member Services Regular or Temporary :

Regular Typical Hours/Week :

40-50

General Purpose and Objective of Position :

The Mortgage Loan Officer (MLO) is a senior lending position. The position's general purpose is to serve as the primary mortgage contact for Pathfinder FCU. This position solicits and maintains leads for residential mortgage consumers in addition to a professional network to gain referrals. This position performs complex transactions that involve analyzing prospect financial condition, credit data, creditworthiness, and security interests. Additionally, this person will assist prospects and current members in determining which financial solutions best meet their needs, provide financial counsel and advice related to PFCU products and services. Background/Drug/Alcohol/Security Checks/Testing Required for this

Position :

Yes No Driving Record (for insurability if driving for company business) Yes No Bondability and Credit Check (PXT Assessment) Yes No Division of Criminal Investigation (Fingerprints) - If NMLS and/or MLO Yes No Federal Bureau of Investigation (Fingerprints) - If NMLS and/or MLO Yes No Local Criminal Background Check (Police or Sheriff Criminal Record) Yes No Department of Homeland Security E-Verify and I-9 Yes No Pre-Employment, Reasonable Suspicion, and/or Post-Accident/Injury Drug/Alcohol Testing (urine, saliva, hair, breath, and/or blood) Access Granted and/or Required for this

Position :

Yes No Access to Confidential Member Information Yes No Access to Confidential Employee Information Yes No Access to Company Financial and/or Regulatory Information Yes No Access to Company Funds Yes No Access to Member Funds Yes No Access to

Company Trade Secrets Legal Requirements :

This position requires that the employee be at least 21-years-old . This position requires that the employee present, upon hire, documentation that meets the requirements of the federal I-9 form. If any of those documents expire, i.e. driver's license, then current documents will be required to satisfy the requirement of the I-9, and subsequently maintain employment.

Knowledge/Skills/Abilities/Experience Requirements :

This position requires that the employee possess and practice exceptional emotionally intelligent verbal and written communication skills. This position requires the employee to possess and practice emotionally intelligent Transformational Leadership skills. This position requires that the employee possess at least five years of experience within the finance, banking, or credit union industry. This position requires that the employee possess at least five years of prior proven mortgage lending experience. This position requires that the employee possess at least two years of direct experience with secondary market mortgage lending. This position requires that the employee possess the ability to multitask and problem-solve in a fast-paced environment. This position requires that the employee possess computer and software knowledge and skills, such as: Microsoft Office, banking/finance programs, HR programs, billing programs, accounting programs, and marketing programs. This position requires that the employee possess basic office equipment experience, such as: fax, phone, computer, copier, scanner, printer, hole punch, laminator, calculators, CRTs, and debit-card machine. This position requires that the employee possess prior knowledge, skills, and abilities related to: General finance and accounting (fiscal management); direct legal and regulatory compliance; basic accounting processes (AP/AR); HR management; Marketing implementation; IT strategies; and overall policies, procedures, practices, and operations implementation. This position requires that the employee possess college-level reading, writing, and arithmetic skills. This position requires the employee to hold a valid Wyoming driver's license, insurable driving record, and the ability to drive for company business.

Education/Certificates/Licenses/Registration Requirements :

This position prefers the employee to possess an Associate degree from an accredited college/university with emphasis in: business, leadership, finance, accounting, economics, marketing, or other as approved by the Chief Executive Officer. A combination of certifications, formal college, and experience may be substituted for a college degree.

Training Requirements :

This position requires that the employee complete or produce all required training and certifications at the beginning of their employment, and on an on-going basis throughout their employment. Each employee is required to attend all new-hire training, certification courses, as well as all on-going scheduled and un-scheduled training and recertification courses. If the employee is assigned as a trainer of a specialized class which requires certification, they must complete all requirements to maintain that certification.

Equipment Requirements :

This position is required to use the following company-owned equipment: computer, phone, fax, printer, scanner, copier, laminator, printer, hole punch, CRTs, calculator, debit-card machine, and appropriate PPE. If the employee is required to use any specialty equipment, they will be trained on its safe and appropriate use.

Cognitive/Verbal/Physical Requirements :

This position is cognitively and verbally intensive; and requires stamina and endurance that can handle extended periods of: sitting, thinking, concentrating, problem-solving, interacting, and communicating with others, talking (on the phone and in-person), typing, writing, reading, computing, and arithmaticing, as well as, occasionally standing, walking, lifting, for the duration of a work assignment (approximately 95-100% of the workday). This position requires that the employee read, write, type, speak, and expertly comprehend the English language. This position requires shift-flexibility; as shift duration is regularly between eight and ten hours per day and can be extended (depending on the daily workload).

Typical/Potential Environmental Exposures :

This position may encounter various indoor or outdoor environments. Most environments are climate-controlled and indoors; however, the employee will be exposed to slick or dry surfaces and/or hot or cold temperatures for outside errands, activities, and events. Environments can also vary in level of stimulation and noise due to fluctuations in customer traffic and activities. Essential Duties/Functions of the

Position :

Provides mortgage origination services in the State of Wyoming. Creates and maintains sales pipeline for the mortgage department of PFCU. Manages the member and prospect mortgage loan process from start to finish, including obtaining all necessary application documentation, credit documents, security interest documents, et al. Analyzes application information for necessary follow up, supporting documents et al. Promotes PFCU mortgage solutions by participating in marketing and promotional activities internal and external to the credit union. Cultivates mutually beneficial relationships with builders, investors, realtors, and title agencies. This position requires the employee to cultivate a needs-based approach to member service with individual coaching and/or goal setting, to ensure credit union and individual goals are met while expanding member relations. This position requires the employee to ensure the branch is compliant with federal laws and regulations set forth by the NCUA and other regulatory agencies. This position requires the employee to work with auditors and the Supervisory Committee to ensure compliance with internal controls. This position requires the employee to collaborate with senior management to create and support promotions and strategies to meet the credit union's goals. This position requires the employee to participate in credit union business development opportunities and community relations activities. This position requires the employee to exercise the highest level of discretion on both internal and external confidential matters. This position requires the employee to accurately follow all verbal and written instructions. This position requires the employee to interact with colleagues, customers/members, vendors, and other stakeholders professionally, ethically, and in a manner consistent with policy; and with the highest degree of emotionally intelligent interpersonal-communication skills. This position requires the employee to speak clearly and deliver information in a logical and understandable sequence. This position requires the employee to operate computers and software effectively and efficiently, and with a high degree of precision and attention to detail. This position requires the employee to conduct all business operations with the highest degree of ethics and Corporate Social Responsibility (CSR). This position requires the employee to exercise great care and responsibility when using company-owned/leased equipment, property, and other non-human resources. This position requires the employee to effectively handle multiple simultaneous and changing priorities. This position requires the employee to accurately, and legally, complete all documentation as required by company policy and regulatory entities. This position requires the employee to perform additional assigned duties in a manner which are generally expected and consistent with other similar positions.

Job Type:

Full-time Pay:

$60,000.00 - $200,000.00 per year

Benefits:

401(k) Dental insurance Employee assistance program Flexible schedule Health insurance Health savings account Life insurance Paid time off Relocation assistance Retirement plan Vision insurance

Compensation Package:

Bonus opportunities Commission pay

Experience:

Mortgage servicing: 3 years (Required)

Sales:

3 years (Required)

Work Location:

In person