Mortgage Loan Officer

Credit Union of Georgia; Jasper (GA); On-site; USD 60,000 - 90,000; Full time

Job summary

Credit Union of Georgia is seeking a Mortgage Loan Officer to guide members through the home financing journey, applying knowledge of lending guidelines and products to tailor solutions.

You will build relationships with members and real estate professionals, screen applications, coordinate with underwriters, and ensure a smooth, compliant loan process while delivering friendly, service-oriented support in a community-focused credit union.

Qualifications

• Minimum of two years of residential mortgage lending experience.
• Experience with mortgage lending software; underwriting or credit analysis preferred.
• Lives in Pickens County, GA.
• Strong communication, analytical and time management skills with attention to detail.
• Maintain active NMLS registration throughout employment.
• Commitment to exceptional member service and Credit Union of Georgia values.
• Associate degree or specialized business or trade coursework preferred.
• Willingness to learn, adapt and pursue growth.

Responsibilities

• Guide members through the mortgage lending process and tailor solutions.
• Develop referral contacts to meet production goals.
• Receive and screen loan applications; gather financial data and submit to underwriting.
• Coordinate with underwriter to ensure guidelines and conditions are met.
• Maintain servicing timelines and protect member privacy while delivering high-quality service.
• Engage in community relations and cross-sell Credit Union products and services.
• Participate in daily operations and business development activities to grow membership.

Skills

Mortgage lending knowledge

Underwriting

Credit analysis

Communication skills

Attention to detail

Adaptability

Education

Associate degree or specialized business or trade school

Tools

Mortgage lending software

Job description

Description

Credit Union of Georgia is continuing to grow, and we are looking for a talented Mortgage Loan Officer to join our team! At Credit Union of Georgia, every role contributes to helping our members achieve their financial goals, and our Mortgage Loan Officers play a vital role in making homeownership possible. Join a team that puts members at the center of everything we do!

The Mortgage Loan Officer builds meaningful relationships with members, guiding them through the mortgage lending process and helping them find financing solutions that align with their homeownership goals. This individual leverages their knowledge of mortgage products, lending guidelines, and industry practices to deliver personalized guidance, facilitate a smooth loan experience, and support the financial well-being of our members while advancing the credit union’s lending objectives.

Responsibilities

• Responsible for upholding and adhering to Credit Union of Georgia brand standards including following all the steps of our unique member journEASE experience and to Engage, Ask, Solve, and Excite and deliver top level member service every time.


• Develop referral contacts (realtors, builders, professional and personal contacts) to meet established credit union production goals.


• Receive and screen loan applications; request and analyze loan services (credit, appraisal, flood, and secondary market automated underwriting findings). Gather financial data. Submit qualified applications to underwriting for approval; provide the underwriter with additional information as required.


• Serve as liaison between member and underwriter double-checking all essential guidelines and conditions related to each loan before and after approval. Ensuring that supporting documentation and records are accurately prepared according to credit union policies and procedures.


• Build and maintain successful internal and external member relationships by adhering to loan processing and servicing time constraints. Provide prompt responses and solutions to all member service needs while maintaining financial privacy requirements.


• Each member of the team should be able to communicate efficiently and openly to achieve goals in a collaborative, positive manner. Team member will demonstrate flexibility and serve as back-up in other roles, as needed.


• Develop a thorough working knowledge of all aspects of mortgage lending and servicing. In addition, maintain knowledge of Credit Union of Georgia products and services to look for cross-sell opportunities.


• Involvement in daily branch operations and business development activities in a manner that provides exceptional service to current and potential members.


• Directs and participates in public and community relations activities to promote the Credit Union. Serves as liaison with external community involvement and internal member relations.


• Promotes Credit Union awareness in the community and identifies opportunities for membership growth.


• Participates in conjunction with Business Development and community outreach programs to establish and maintain relationships that will enhance the growth and recognition of the credit union.


• Complete additional training when assigned to stay abreast of compliance, guidelines, servicing, and market changes.


• Comply with all Credit Union policies and procedures, applicable laws, and regulations, including but not limited to, the SAFE Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.


• Other duties as assigned.

Requirements

• Minimum of two years of experience in residential mortgage lending, including HELOCs or other mortgage products.


• Experience with mortgage lending software; prior underwriting or credit analysis experience preferred.


• Lives in Pickens County


• Strong communication, analytical, organizational, and time management skills with exceptional attention to detail.


• Ability to explain complex mortgage products and processes in simple, understandable terms.


• Commitment to exceptional member service, professionalism, and the values of Credit Union of Georgia.


• Willingness to learn, adapt, and pursue continued professional growth.


• Associate degree or specialized business or trade school coursework preferred.


• Maintain active NMLS registration throughout employment, as required for the position.


• Complete all required annual compliance and regulatory training.