Inside Mortgage Loan Officer

    • Job Tracking ID: 512439-818931
    • Job Location: Dunedin, FL
    • Job Level: Any
    • Level of Education: Any
    • Job Type: Full-Time/Regular
    • Date Updated: May 13, 2022
    • Years of Experience: Any
    • Starting Date: ASAP
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Job Description:

*Remote work from home may be consider after six months on the job

Dominate in service by maintaining working knowledge of mortgage loan products and programs, services, organizational policies and procedures. Interviews applicants and requests specified information for mortgage loan application to match mortgage products to applicant. Analyzes applicant financial status, including credit, income and assets, as well as preliminary property evaluation to determine feasibility of granting loan. Recommends approval/denial of customer applications for conventional residential mortgage, Portfolio First mortgage, FHA/VA and Home Equity loans.

Individual must be highly motivated and self-driven. This position may be used a platform to train an individual that exhibits skills and attributes to be a mortgage loan officer. This position is a non-exempt 40 hour week position. Overtime including evenings and weekends may be required. Remote/Work from home may be consider after six months.

  • Take incoming leads from inbound calls and online applications, including Achieva to Achieva re-finances, lot loans, home equity loans, First Mortgage Conventional and Non- Conventional, Agency and Portfolio loans; Purchase and re-finances request.
  • Interview applicants. Provide counseling for best loan product for re-finance or purchase.
  • Pre-approve potential homebuyers.
  • Evaluate re-finance applications.
  • Take complete and accurate applications collect supporting documentation to validate data. Enters all information into LOS system and appropriate AUS system.
  • Monitor member interaction from application to closing.
  • Assist processor, closer and underwriter in obtaining information and documentation.
  • Review Membership requirements with applicants. Coordinate membership as applicable. Cross sale Achieva products and services.
  • Maintain required time lines for compliance regulations and departmental timeframes.
  • Provide professional and efficient operation of the credit union’s mortgage services to members.
  • Establish and maintain client relationships front line staff and other business units, including wealth advisors.
  • Conduct residential updates with assigned branches on a monthly basis regarding changes in product, rates, and procedures.
  • Maintain an average of $500,001.00 in residential loans or minimum of 10 units per month. Quarterly closed loan production will be reviewed to assure the minimum production is being maintained.
  • Maintain pipeline; follow up on leads.
  • Keep informed of trends and developments in the local real estate market and competitive environment, as well as changes in guidelines and regulations.
  • Responsible for upholding all credit union ethical standards.
  • Represents the credit union in a courteous and professional manner.
  • Perform other essential job functions as required or assigned.

Experience and Skills:

Required Education:

  • High school diploma or G.E.D.

Required Experience (minimum 1 year each):

  • Consumer lending and/or home equity experience
  • Sales experience including ability to generate new business

Preferred Experience:

  • Mortgage Loan Officer experience - Knowledge of Conventional Fannie Mae/Freddie Mac, FHA & VA
  • Mortgage software systems, DU and LP automated underwriting systems

Required Skills:

  • Strong verbal Communication and Business Writing Skills
  • Mathematical aptitude
  • Common office equipment including PC computer and 10 key calculator; Data Entry
  • Computer Literate
  • Proficient in Microsoft Skills: Outlook email and calendars, Word, Excel
  • Listening, Observation and Analytical skills
  • Demonstrate ability to collect data, establish facts and draw conclusions
  • Proficient in Automated Underwriting Systems - Desk Top Underwriter and Loan Prospector
  • Proficient in Loan Origination systems
  • Good interpersonal skills
  • Ability to work effectively under specific time constraints
  • Thrive in a fast paced environment
  • Ability to handle stress
  • Ability to prioritize
  • Ability to organize
  • Ability to meet deadlines
  • Reasoning ability
  • Ability to communicate clearly in writing with correct grammar, punctuation and spelling.
  • Ability to multi-task and work well under pressure
  • Ability to plan, schedule and coordinate work

Required Licensing:

  • Must obtain NMLS licensing