Mortgage Loan Officer

Palmetto Citizens Federal Credit Union; Augusta (GA); On-site; USD 55,000 - 85,000; Full time

Job summary

Palmetto Citizens Federal Credit Union in Augusta, GA is seeking a Mortgage Loan Officer to originate residential loans, guiding borrowers through the entire process from application to close.

The role emphasizes developing realtor and builder partnerships, accurate documentation, and strict adherence to lending regulations while delivering outstanding member service.

Qualifications

• Minimum 2+ years of experience as a mortgage loan officer.
• Excellent customer service skills and ability to work in a team environment.
• Proficient with computers; basic to intermediate MS Office skills required.
• Excellent written and oral communication skills.
• Able to adapt to changes in the mortgage market.
• Active NMLS license or ability to obtain one.
• High School Diploma or equivalent; Bachelor's degree preferred.

Responsibilities

• Establish and nurture partnerships with realtors, builders, and branches to drive mortgage growth and retention.
• Meet with borrowers to explain mortgage options and guide them to the best product.
• Collect and verify borrower information to complete loan applications accurately.
• Ensure compliance with mortgage lending rules and provide required disclosures on time.
• Maintain clear communication with borrowers to ensure timely approvals and smooth closings.
• Participate in ongoing training to stay informed about industry trends and regulations.
• Perform duties with integrity and provide a superior member experience.
• Assist borrowers and Credit Union staff with product delivery and support.
• Represent the Credit Union at community events to promote services.

Skills

Customer service

Teamwork

Communication

Adaptability

NMLS licensing

Education

High School Diploma or equivalent

Bachelor's degree preferred

Tools

Microsoft Office (Word, Excel, Outlook)

Job description

Salary Min

Salary Max

Overview

The Mortgage Loan Officer is responsible for originating mortgage loans by engaging with potential borrowers and guiding them through the loan process. This includes preparing, analyzing, and verifying mortgage loan applications for the purchase, construction, or refinancing of residential real estate. The Mortgage Loan Officer must also deliver exceptional service to borrowers, maintaining a high level of professionalism and accuracy throughout the loan lifecycle.

Responsibilities

• Establish and nurtures partnership with realtors, builders, and other Credit Union branches to drive mortgage business growth and retention.
• Meet with potential borrowers to explain various mortgage options, including portfolio, government, and conventional loans. Guide applicants in selecting the best loan product to meet their financial goals, in compliance with Credit Union policies and procedures.
• Collect and verifie all necessary borrower information and documentation to complete loan applications accurately while maintaining strict confidentiality.
• Ensure compliance with all residential mortgage lending rules, regulations, and guidelines. Provide required disclosures to borrowers within the regulatory timeframes.
• Maintain consistent and transparent communication with borrowers throughout the loan process, ensuring timely approvals and smooth closings.
• Participate in ongoing training to stay informed about industry trends, regulatory changes, and to maintain required certifications.
• Perform all duties with integrity, confidentiality, and respect for borrowers and colleagues, ensuring a superior member experience.
• Deliver exceptional service by assisting borrowers and supporting Credit Union associates with high-quality product delivery.
• Represent the Credit Union at community events and professional associations to promote products and services and strengthen community ties.
• Perform other tasks as needed to ensure outstanding member service and effective delivery of Credit Union products.

Qualifications

• Minimum 2-years experience as a mortgage loan officer.
• Must have excellent customer service skills and be able to work in a team environment.
• Must be proficient with computers, with Basic to Intermediate computer skills in Microsoft Office, including Word, Excel, and Outlook required.
• Must have excellent written and oral communication skills.
• Must be adaptable to the changes in the mortgage market.
• Must have an active or able to obtain a NMLS license.
• High School Diploma or equivalent required; Bachelor’s degree preferred.

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