Mortgage Development Officer - Houston

Truity Credit Union; Houston (TX); On-site; USD 55,000 - 95,000; Full time

Job summary

Truity Credit Union in Houston seeks a Mortgage Loan Officer to assist members with mortgage products and proactively solicit business from realtors and community partners.

You will work with leadership to identify trends, ensure compliance, and process applications while delivering attentive service and solutions.

Qualifications

• Experience with FHA, VA, Freddie Mac programs.
• Knowledge of mortgage lending policies and procedures.
• Familiarity with NMLS requirements and compliance.

Responsibilities

• Actively listen and respond to member inquiries and concerns.
• Recommend mortgage loan products and take applications.
• Grow mortgage business by building rapport with realtors and community partners.
• Ensure mortgage applications are processed and closed effectively.
• Complete compliance training and annual NMLS registration.

Skills

Mortgage lending

Credit union operations

Customer service

Technology proficiency

Education

FHA/VA/Freddie Mac experience

NMLS registration

Job description

Primary Purpose

Our culture is not just a poster in the hallway; it is a guiding principle we live by each and every day, one we carry forward even as our work changes around us. Non-stop change is part of our path, and we meet it by simplifying, not just doing more.

Our culture is not just a poster in the hallway; it is a guiding principle we live by each and every day, one we carry forward even as our work changes around us. Non-stop change is part of our path, and we meet it by simplifying, not just doing more.

Primary Purpose

That means this role is expected to accept and adopt High Tech, High Touch practices using artificial intelligence and other digital tools to simplify outdated, low-value work so technology handles the routine, freeing us to stay present for what only a person can do: building relationships, solving complex problems, and responding with genuine care. Digital tools don’t replace those relationships; they remove the barriers that get in their way.

Central To This Commitment Is Our Cross-functional Employee Team, Known As Our "Culture Crew," Dedicated To Fostering Community Through Engaging Activities, Reinforcing Our Cultural Values, And Ensuring Their Continuous Integration Into Our Daily Operations.

We Define Our Culture According To Our Cultural Pillars Of

• Membership Centric
• People Focused
• One Team
• Personal Achievement
• Innovation

Job Summary

This position assists Credit Union members with mortgage loan products and proactively solicits mortgage business from realtors, relocation specialists, key community partners and members.

Essential Functions

May include any and/or all of the following:

• Actively listen and respond to member inquiries, suggestions, requests, and concerns.
• Recommend mortgage loan products to members and take applications.
• Proactively elevate mortgage business volume in the market by building rapport with key community leaders and real estate professionals; by employing systems for follow-up and process management; and by serving members in a manner that prompts them to promote and repeat business.
• Aggressively increase the volume by building rapport with key corporate and real estate professionals; by employing systems for follow-up and process management; and by serving members in a manner that prompts them to promote and repeat business.
• Successfully register with NMLS annually.
• Successfully complete all applicable compliance training and testing.
• Work with VP, Mortgage Sales & Development and Assistant Manager, Sales and Development to identify trends, product enhancements and process improvements in order to capture a greater share of the business.
• Work with departmental personnel to ensure mortgage applications generated through business development activities are processed and closed effectively.
• Perform other duties and responsibilities as assigned.

Knowledge, Skills, Abilities And Personal Characteristics

• Knowledge of:
  • Mortgage Lending functions including policies, practices, and standards
  • Modern office equipment
  • Credit Union operations, procedures, products, services, philosophies, practices, and systems
  • Technology and various software programs
• Ability to:
  • Read and interpret a variety of instructions furnished in written, oral, diagram, and schedule form
  • Organize and prioritize in order to meet deadlines
  • Write reports and correspondence and to speak effectively before members and employees.
  • Solve practical problems and deal with variables in situations
  • Self direct with the initiative and drive necessary to activate a project from conception through completion
  • Solicit business that results in increased volumes
• Skill in:
  • Interpersonal and human relations
  • Making effective and timely decisions
  • Typing and personal computer
    

Qualifications

Critical Development Experiences

Pursue opportunities for professional growth and development through training, education and self-study

Successfully complete all applicable compliance training and testing

Education And Experience Equivalent To

Experience with Federal Housing Authority FHA, Veterans Affairs VA, and Freddie Mac, construction loans, bridge loans and reverse mortgage loans

Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment

Requirements

Regular attendance and timeliness are essential functions of this position. While performing this job, the employee is regularly required to sit or stand for a significant period of time and perform functions that require manual dexterity. The employee must occasionally reach above or below normal body position, stoop or bend, and carry, lift or move objects weighing up to 25 pounds. A normal range of hearing, vision, and speech are required to effectively work with co-employees and members.

REGULATORY COMPLIANCE & CONFIDENTIALITY

Follows regulatory and policy compliance requirements, which include those efforts in compliance with Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC) and Anti-Money Laundering (AML) Regulations, Identity Theft Red Flags and other compliance related Policies. This position also requires maintaining confidentiality with regard to non-public information about our members and the Credit Union.

This position requires registration on an annual basis with the NMLS registry.

This job description should not be interpreted as all inclusive. It is intended to identify the duties, responsibilities and requirements of this job. Incumbents may be requested to perform job-related responsibilities and tasks other than those stated in this description. Any physical demand of essential function or requirement of this position will be evaluated as necessary should an incumbent/applicant be unable to perform the function or requirement due to a disability as defined by the Americans with Disabilities Act (ADA). Reasonable accommodation for the specific disability will be made for the incumbent/applicant when possible.

Eeo

Equal Opportunity Employer/Veterans/Disabled

Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities.

If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process or are limited in the ability or unable to access or use this online application process and need an alternative method for applying, you may contact 918.336.7662 or [e-mail] for assistance. You may also contact us at that same number and email, if you would like to see a copy of our Affidavit Action Plan.