Sandia Laboratory Federal Credit Union
Mortgage Loan Officer - Outside Sales
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Job Description
- Req#: 3697201
- Assist in growing the credit union membership by self-sourcing mortgage applicants by working closely with referral partners such as Realtor, Builder, and other trade organizations.
- Interview and process mortgage loan requests by appointment, web application, phone, and walk-in.
- Evaluate credit worthiness.
- Analyze supporting documentation (e.g. paystubs, W-2‘s, tax returns, asset documents, etc.).
- Use credit reports and supporting documentation to verify accuracy of application.
- Review purchase agreements, warranty deeds, real estate contracts and other property related documentation provided by the borrower or real estate professional.
- Disclose loan applications accurately, and in a timely manner, remaining in compliance with all State and Federal Regulations.
- Provide sound reasoning for approval or denial of the loan application that is documented in Loan notes and with supporting documentation.
- Provide a superior member experience by:
- Actively listening to and assessing needs of the member and non/member
- Explaining the features and benefits of targeted products and services
- Offering targeted solutions to meet the members needs
- Educate and advise members of financial planning, credit worthiness, underwriting guidelines, interest rates and products. Provide sufficient information so that the member can make an educated decision on the product and rate chosen.
- Strive to exceed the Credit Union’s service and sales goals through the development and maintenance of member relationships.
- Cross-sell consumer and commercial products to members, when appropriate.
- Develop external relationships with realtors and builders.
- Participate in mortgage seminars, Realtor on Duty and CU Realty functions, and other events as requested.
- Follow up with attendees to develop additional relationships and loans.
- Meet or exceed annual department origination goals as set by Management.
- Complete all steps required to register and renew, yearly, with Nationwide Mortgage Licensing System and Registry (NMLS). Ensure that all personal data is kept up to date with NMLS. Complete SAFE Act training as required by the Credit Union.
- Attend schools, seminars and other types of training to further expand and enhance product knowledge.
- Perform other duties as requested by management.
Job Scope:
Self-Sourced Mortgage Loan Originator who originates, reviews and evaluates mortgage loan applications and makes recommendations, counsels’ members regarding appropriate financial planning and practices.
Essential Functions
About the company
Sandia Laboratory Federal Credit Union provides banking services and products that meet your needs.
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