Mortgage Loan Officer: Client-Focused Home Loans

Infuze CU; Northern (KY); Hybrid; USD 55,000 - 75,000; Full time

Job summary

Infuze Credit Union is seeking a Mortgage Loan Officer to interview applicants, assess, process, and document loan applications in line with policies and regulations. You will pull credit reports, verify debts, and estimate monthly payments while promoting credit union products.

The role requires 2–5 years of related experience and a high school diploma or GED. Excellent communication skills and compliance with internal policies are essential for success in this position.

Qualifications

• Familiarity with sound analytical and lending procedures.
• Knowledge of lending compliance guidelines and state and federal regulations.
• Willingness to follow internal policies and procedures.
• Strong communication and interpersonal skills.

Responsibilities

• Interview loan applicants and those requesting refinancing or loan modifications and assist members with the loan application process, including but not limited to pulling credit reports for all accounts, verifying debts, and estimating monthly payments for any outstanding debts not listed on the application.
• Obtain and evaluate credit bureau reports on applicants. Calculate debt-to-income/debt service ratios on loan applicants and calculate how much of the applicant's debt is secured or unsecured. Ensure that real-estate loans are processed accurately.
• Communicate regularly with members, realtors, and others, as needed. Use all mediums of communication, including in-person appointments, phone calls, and/or electronic communication methods (e.g., email, text). Provide information regarding current loan policies and procedures.
• Communicate reasons for denial and/or explore options for members when loans are denied. Answer member questions related to mortgage loans.
• Develop mortgage loan business through member seminars, calls to realtors, contractors, and other institutions. Resolve complaints from members and nonmembers in a professional manner.
• Maintain contact and positive working relationships with real estate agents/brokers, attorneys, and contractors to ensure continued mortgage avenues. Attend community events, when requested, and present a favorable image of the organization.
• Perform other duties as assigned.

Skills

Analytical and lending procedures

Lending compliance guidelines

Communication and interpersonal skills

Policy compliance

Education

High school diploma or GED

Job description

Infuze Credit Union is seeking a Mortgage Loan Officer to interview applicants, assess, process, and document loan applications in line with policies and regulations. You will pull credit reports, verify debts, and estimate monthly payments while promoting credit union products.

The role requires 2–5 years of related experience and a high school diploma or GED. Excellent communication skills and compliance with internal policies are essential for success in this position.