Senior Mortgage Loan Officer

Thrivent; United States; Remote; USD 10,000 - 60,000; Full time

Job summary

A leading financial services organization is seeking a Mortgage Loan Officer to provide exceptional service and manage client relationships. Responsibilities include handling mortgage inquiries, completing loan applications, and collaborating with underwriting. The ideal candidate has 3-5 years of experience in mortgage lending with strong sales and communication skills. This full-time role offers competitive pay and benefits, including medical and retirement plans.

Benefits

401k

Medical, dental, and vision insurance

Paid Time Off

Life insurance

Disability insurance

Qualifications

• 3-5 years of mortgage lending background with emphasis on sales.
• Knowledge of home equity products for cross-sell opportunities.
• Ability to manage fast-paced deadlines and multiple priorities.

Responsibilities

• Manage incoming calls to the mortgage line.
• Gather information from clients to complete loan applications.
• Counsel clients on the loan process.

Skills

Mortgage lending background

Sales experience

Verbal communication skills

Written communication skills

Interpersonal skills

Organizational skills

Job description

Provides professional, knowledgeable and courteous service to our clients through all applicable delivery channels by meeting mortgage needs of members, Financial advisors and employees throughout the United States. Responsible for enhancing client relationships by identifying needs and cross-selling appropriate Thrivent Financial Credit Union products and services. Independently respond to client questions, concerns and requests in a timely manner to ensure loans are closed within expected timeframe. Maintain safety and security of client, employee & credit union assets by adhering to regulations, policies and procedures.

DUTIES & RESPONSIBILITIES:

• Primary responsibility is to manage incoming calls to the mortgage line 75% of the time, manage incoming requests to aid in rotation throughout the mortgage loans officers and incoming web applications.
• Ability to do outbound calls 25% of the time with past clients, financial advisors.
• Gather accurate and complete information from clients to complete mortgage loan applications
• Analyze loan applications to identify any potential red flags or areas of clarification.
• Answer inquiries and make suggestions for products & loan structure
• Counsel clients on loan process to ensure that all documents are submitted in order to close in appropriate time frame. Follow-up with clients required to minimize additional costs of rate extensions.
• Collaborate with underwriting and loan processing partners to ensure timely completion of loan
• Stay up to date on regulation changes and underwriting requirements to ensure sound judgement and decision making.
• Thorough understanding of mortgage products, secondary market underwriting and pricing guidelines.
• Assist in training new MLO’s
• Proficient in both first mortgage loans and second mortgage/home equity loans including structuring transactions, working with members and identifying the key differences for selling the right products.
• Ability to handle with ease high profile members and complicated tax return or other types of mortgage requests
• Volume production goals are set at higher levels.
• Ability to meet cross sell goals
• Full understanding of the mortgage loan origination system for performing daily functions and assisting members
• Maintain and grow internal and external relationships
• Perform closing disclosure calls with members meeting set expectations
• Follow all set guidelines for answering phones utilizing recorded lines, member validation and timing
• Manage a pipeline of 45-55 mortgage clients at various steps in the process and ensure that loans meet rate locks, rate lock expiration dates, compliance and underwriting criteria. Goal is to have loans closed within a 45 day timeframe.
• Models Thrivent’s leadership competencies – courage, collaboration, and commitment by demonstrating resiliency, working together to make the best decisions, and holding yourself and others accountable.
• Supports and/or develops an environment in which Thrivent employees and colleagues are focused on continuous improvement, exceptional employee engagement, and an unwavering commitment to our clients. Shapes and/or supports a culture that represents the Thrivent purpose, promise and values, ensuring that Thrivent’s trust and reputation remain strong with its clients.

QUALIFICATIONS & SKILLS:

Required:

• 3 -5 years mortgage lending background with emphasis on sales
• Knowledge of home equity products to recommend cross-sell opportunities
• Strong Verbal & Written Communication Skills
• Demonstrate strong interpersonal skills along with a sales focus
• Math aptitude
• Ability to handle tougher situations based on member complaints or requests.
• Strong organizational skills to manage fast paced deadlines, multiple priorities and product details under pressure.
• Ability to work independently and strong time management skills
• Ability to lead others within the team if needed when manager is out

Pay Transparency Thrivent’s long-term growth depends on attracting, rewarding, and retaining people who are committed to helping others thrive with purpose. We accomplish this by offering a wide variety of market competitive compensation programs to attract, reward, and retain top talent. The applicable salary or hourly wage range for this full-time role is $27.31 - $36.95 per hour, which factors in various geographic regions. The base pay actually offered will be determined by a variety of factors including, but not limited to, location, relevant experience, skills, and knowledge, business needs, market demand, and other factors Thrivent deems important. Thrivent is unique in our commitment to helping people to be wise with money and live balanced and generous lives. That extends to our benefits. The following benefits may be offered: various bonuses (including, for example, annual or long-term incentives); medical, dental, and vision insurance; health savings account; flexible spending account; 401k; pension; life and accidental death and dismemberment insurance; disability insurance; supplemental protection insurance; 20 days of Paid Time Off each year; Sick and Safe Time; 10 paid company holidays; Volunteer Time Off; paid parental leave; EAP; well-being benefits, and other employee benefits. Eligibility for receipt of these benefits is subject to the applicable plan/policy documents. Thrivent’s plans/policies are subject to change at any time at Thrivent’s discretion.

Thrivent provides Equal Employment Opportunity (EEO) without regard to race, religion, color, sex, gender identity, sexual orientation, pregnancy, national origin, age, disability, marital status, citizenship status, military or veteran status, genetic information, or any other status protected by applicable local, state, or federal law. This policy applies to all employees and job applicants. Thrivent is committed to providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation, please let us know by sending an email to [e-mail] or call 800-847-4836 and request Human Resources.