Mortgage Loan Officer - Tristate

UNFCU; New York (NY); Remote; USD 60,000 - 80,000; Full time

Job summary

Join a leading financial institution as a Mortgage Loan Officer, where you'll leverage your relationship-building skills to promote mortgage products and provide exceptional service to members. This remote role requires strong communication skills and knowledge of mortgage lending regulations. You will manage the application process, educate members, and develop strategies to expand our mortgage business. If you have an Associate's degree and a passion for helping others, we invite you to apply and grow with us in a diverse and inclusive environment.

Qualifications

• 2-4 years of progressive mortgage origination experience.
• Thorough knowledge of mortgage lending regulations and guidelines.

Responsibilities

• Solicit and originate residential mortgage loans, assess applicants' needs.
• Manage the application process and ensure compliance.
• Develop strategies to identify new mortgage opportunities.

Skills

Communication

Relationship Building

Education

Associate's degree

Tools

MS Office

Job description

Why join this team

This position involves soliciting and originating residential first and second mortgage loans, assessing applicants' financial needs, and promoting mortgage products that meet those needs, all in compliance with UNFCU loan policies and applicable laws. It includes communication with members and staff, emphasizing quality member service and professional representation of UNFCU. This is a remote, self-sourcing role that leverages relationship-building skills to expand UNFCU membership.

Salary Range

NYC Salary Range - Loan Officers are paid according to UNFCU's Mortgage Loan Officer Commission/Compensation Plan.

What you'll do

1. Uphold UNFCU's mission, core values, and guiding principles by providing exceptional service to colleagues and members, demonstrating service excellence behaviors.
2. Interview applicants to determine qualifications and suitable mortgage products, explore alternatives, and make recommendations; build relationships to promote mortgage business; educate members about mortgage products.
3. Manage the application process: input data into information systems, provide disclosures, review for accuracy, ensure compliance, analyze documents, and monitor regulatory changes.
4. Develop strategies to identify new mortgage opportunities and build relationships to assist borrowers during the process.
5. Follow up with processors to ensure timely mortgage closings and keep members informed about their file status.
6. Monitor market rates and products, suggest management changes, participate in educational initiatives, and identify cross-selling opportunities.
7. Serve as a resource within the Mortgage Department, participate in training, and support departmental functions.
8. Prepare monthly reports on origination/production and contribute to sales tracking.

What we're seeking

• Associate's degree or equivalent experience
• Strong PC skills and proficiency in MS Office (Word, Excel, Outlook, PowerPoint)

What makes you stand out

• Thorough knowledge of mortgage lending regulations (RESPA, REG Z, ECOA), secondary mortgage market guidelines (FNMA, FHLMC), and private mortgage insurance; ability to interpret appraisals, tax returns, and credit reports.
• 2-4 years of progressive mortgage origination experience.

Who we are

UNFCU is a global, not-for-profit financial institution serving the UN community. We are committed to providing peace of mind, service excellence, and fostering a diverse, inclusive environment. We value personal fulfillment and professional growth.

UNFCU is an equal opportunity employer, prohibiting discrimination and harassment of any kind. All applicants are considered without regard to race, color, religion, age, sex, national origin, disability, genetics, veteran status, sexual orientation, gender identity or expression, or other protected characteristics.