Mortgage Loan Officer
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Job Description
Mortgage Loan Officer responsible for originating first mortgage and equity loans at VyStar Credit Union. Providing quality service and ensuring compliance with mortgage lending policies and procedures.
Responsibilities:
- responsible for originating residential first mortgage and equity loans
- participates in related business development activities
- ensuring quality mortgage loan origination servicing in accordance with VyStar policies, practices and procedures
- counsels members and evaluates credit applications
- solicits residential mortgage loans and equity loans through contacts with realtors, builders, and personal referrals
- provides quality service to members seeking residential mortgage loans
- interviews applicants to develop financial needs and assist in determining acceptable credit risk
- obtains and analyzes financial and credit data
- enters data into the point of sale origination software
- discusses application with member and addresses questions about mortgage loan programs
- maintains communication with processor regarding mortgage loan file progress
- documents communication with the member and/or other interested parties in the mortgage origination software
- assists mortgage loan processor and closer to obtain documentation for a smooth mortgage loan process
- proactively communicates loan status throughout the process
Requirements:
- minimum of two years prior experience in the mortgage industry preferably as a mortgage loan officer or mortgage loan interviewer
- proven production and proven track record in heavy customer contact
- self-disciplined and goal oriented worker
- demonstrated ability to work independently
- superior communication skills
- familiarity with conventional, VA, FHA, and equity loan financing
- knowledge of all regulations governing mortgage lending
- well versed in private mortgage insurance and secondary market lending guidelines
- high school diploma or its equivalent, however a two-year college degree or higher is preferred
- must meet and maintain all requirements as a registered mortgage loan originator employed by a Federally regulated Institution with the Nationwide Mortgage Licensing System and Registry (NMLS)
Benefits:
- competitive pay
- excellent benefit package that includes a 401(k) Plan
- extensive paid technical and on-the-job training program
- tuition reimbursement for full and part time employees
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