Mortgage Loan Officer

Silver State Schools Credit Union; Las Vegas (NV); On-site; USD 50,000 - 70,000; Full time

Job summary

A local credit union in Las Vegas is seeking a Mortgage Loan Officer to provide outstanding service to members by promoting mortgage products and counseling clients. The ideal candidate will analyze financial situations, recommend appropriate loan solutions, and ensure compliance with lending regulations. A minimum of three years in real estate lending is preferred, along with relevant education. The position requires a strong customer service orientation and the ability to build relationships with members and colleagues.

Qualifications

• Minimum of three years related experience in real estate lending.
• Understanding of FHA, VA, and Conventional loans required.
• Ability to analyze borrower financial status and credit.

Responsibilities

• Promote mortgage lending services to members and employees.
• Counsel members on mortgage needs and assist with applications.
• Analyze financial status and evaluate property for loan feasibility.
• Ensure loan agreements are complete and accurate per regulations.
• Maintain relationships with branches for referrals.

Skills

Customer service orientation

Financial analysis

Knowledge of lending regulations

Interpersonal skills

Sales skills

Education

Associate's or Bachelor's degree in related field

Tools

Loan processing software

CRM systems

Job description

Mortgage Loan Officer

Full Time (40 Hours)

Monday - Friday (8am - 5pm)

PURPOSE:

The primary purpose of this position is to assist Silver State Schools Credit Union to live out its Mission, "Excellent Member Service and Financial Solutions - For Life," by providing outstanding service to both members and internal members.

• To deliver service in alignment with our Service Commitments:
  • I will earn respect and build trust by acting with integrity in every situation.
  • I will understand my role in supporting the team to achieve our purpose.
  • I will focus on people over products and build lasting relationships.
  • I will take ownership and accept responsibility.
  • I will treat my coworkers with the same high standards as I treat my member.
  • I will continuously look for ways to improve myself, my credit union, and my community.
  • I will accept there is no "they". We are one working toward the same mission.
  • I will commit to the core values.
• Meet all established service goals.

SUMMARY:

Promote the mortgage lending department to members and credit union employees. Solicit loan clients with the purpose of originating and closing profitable, quality first mortgage loans. Counsel members regarding their mortgage needs. Within authorized authority, and in accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and authorizes or recommends approval of borrower's applications for first mortgage loan applications. The incumbent accomplishes the essential duties as follows:

ESSENTIAL DUTIES AND RESPONSIBILITIES

Include the following. Other duties may be assigned.

• In person or phone interview applicant, answers questions, and counsel's member regarding member's mortgage needs. Completes Uniform Residential Loan Application and requests specified information for loan application. Information may be recorded in writing, or by computer where automated loan processing technology is available.
• Looks for cross sell opportunities and close cross sell of Credit Union products and services.
• Using a personal computer and various software programs for originating, processing, and closing mortgage loans, analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan. Analyzes potential lending opportunities involved in each lending situation to further assist the borrower as well as increase the credit union's lending portfolio. Cross sells borrowers on the benefits of utilizing other credit union services.
• Corresponds with or interviews applicant to resolve questions regarding application information. Assists members on a continuous basis by, providing quotes, current information about loan programs, interest rates, fees, and qualifying guidelines.
• Ensures loan agreements are complete and accurate according to policy and requirements established by regulatory agencies or investor.
• Confers with department personnel to aid in resolving mortgage application problems and to obtain loan approval in the most expeditious manner possible.
• Performs ancillary duties related to real estate and other lending.
• Collects from appropriate parties on behalf of the credit union all costs needed for appraisals, credit reports, underwriting fees, or other origination expenses.
• Studies daily pricing trends, activity networks, reads current industry publications and participates in Realtor or industry-related meetings and events to stay abreast of local competition and general marketing trends.
• Maintains a good relationship with branches to obtain and promote referrals.

EDUCATION and/or EXPERIENCE:

An associates or bachelor's degree is preferred with a minimum of three years related experience and/or training in real estate lending; or equivalent combination of education and experience in a related field. This individual must have or obtain knowledge of FHA, VA, Conventional, or any special program as needed and required.

*ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED*

**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**

SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)

DRUG-FREE WORKPLACE