Mortgage Loan Officer

As a dedicated member of the OnPath FCU team, this role performs a variety of tasks that, in partnership with the surrounding departments, provide cost effective financial services for the benefit of our members, who are our primary focus. Our core values are what make us E.P.I.I.C. We are Empathetic to the vast situations and needs of our member's and to each other. We are Passionate about the financial growth and success of our members. We are Innovative in our ideas and goals to remain at the top of our class in financial services. Our Integrity is not an option. We require our employees to be honest and have strong moral principles. We are Committed to our promise to be the best financial advocates for our members and the communities we serve.

We are looking for Mortgage Loan Officers to join our team!

PRIMARY FUNCTIONS:

Conducts daily business interactions and maintains constant alignment with OnPath's mission, culture, and core values and core behaviors.

Initiative and judgment are required in the absence of specific direction from management. Ensures value through decision making that supports credit union goals and interests while upholding OnPath's service standards and ethics. Increase OnPath's mortgage lending by assisting customers and members from the loan application process through the closing of the mortgage loan.

KEY AREAS OF RESPONSIBILITY :

Successfully complete XINNIX training program within assigned time if under three years of experience.

Successfully complete other department required training within specified time.

Satisfy all NMLS requirements to obtain required license (training, testing, and background check).

Develop strategic business partners to create a strong referral network.

Prospect daily to increase networking and contacts, both face-to-face and telephone contact

Build relationships with customers and OnPath members to provide them with the products and services to meet their needs.

Participate in OnPath sponsored events and education classes as applicable.

Consistently exceed member expectations.

Take thorough loan applications following all applicable regulations.

Coordinate all aspects of the mortgage loan application process.

Communicate effectively with peers, members, and management.

Meet and exceed loan production standards as set annually based on credit union goals and seat goal requirements.

Actively cross-sell additional OnPath products and services

Keeps promises and commitments, earns and maintains trust of others by acting consistently with words and actions. Is direct and truthful by providing straight, honest feedback. Keeps confidence, and is dedicated to the highest standards of integrity, honesty, and trust.

Holds self and others accountable for professional and ethical behavior as defined by OnPath Federal Credit Union's mission, culture, and values. Continually works to expand knowledge of what goes on in other parts of the credit union.

Communicates with clarity and direction, and provides frequent exchange of direct, consistent, constructive feedback. Resolves conflict, recommends solutions, and monitors their progress. Maintains positive relationships, shares credit for accomplishments, celebrates success of others, and takes responsibility for mistakes.

Abides by OnPath's commitment to a Sales and Service Culture

Agrees to stay informed on OnPath products and services to provide the right product to the right member at the right time for the right reason.

Performs such tasks as may be assigned by his/her supervisor, which is commensurate with the position.

Leadership:

Encourage and develop cooperation among peer members to ensure a "team effort" and commitment to the established Service Expectations.

Leads by example, takes initiative, and is open to change.

Help create a positive and consistent attitude in your department by owning issues and following up when necessary.

Participate in continuing education as approved.

Performs such tasks as may be assigned by his/her supervisor, which is commensurate with the position.

Holds self and others accountable for professional and ethical behavior as defined by OnPath Federal Credit Union's mission, culture, and values. Continually works to expand knowledge of what goes on in other parts of the credit union.

Maintains positive relationships, shares credit for accomplishments, celebrates success of others, and takes responsibility for mistakes.

Service :

Promote and maintain a positive image of the credit union to assigned personnel, members, and the community.

Maintain professional, respectful, persuasive communication and a courteous attitude when working will internal and external members.

Acts as a voice of the credit union.

Keeps promises and commitments, earns and maintains trust of others by acting consistently with words and actions. Is direct and truthful by providing straight, honest feedback. Keeps confidence, and is dedicated to the highest standards of integrity, honesty, and trust.

Abides by OnPath FCU's commitment to a Sales and Service Culture.

Agrees to stay informed on OnPath's products and services to provide the right product to the right member at the right time for the right reason.

Community:

Participate in community outreach by volunteering to work at different volunteer opportunities presented throughout each year.

BASIC REQUIREMENTS:

SKILLS

Exceptional work ethic

Strong oral and written communication skills

Excellent interpersonal skills

Superb listening skills

Good presentation skills

Foundational sales skills

Quality team player

KNOWLEDGE

Demonstrated proficiency in:

Microsoft Outlook, Word, Excel, PowerPoint

Database management preferred but not required

Experience with CALYX or other Mortgage Loan Origination System

Knowledge of the mortgage and/or real estate market a plus

EXPERIENCE

Preferred three-year previous mortgage origination experience

EDUCATION

Bachelor's degree preferred or a combination of education and work experience in sales and/or real estate

COMPENSATION

Base salary plus commission

QUALIFICATIONS:

Behaviors

Preferred

Enthusiastic: Shows intense and eager enjoyment and interest

Innovative: Consistently introduces new ideas and demonstrates original thinking

Dedicated: Devoted to a task or purpose with loyalty or integrity

Motivations

Preferred

Self-Starter: Inspired to perform without outside help

Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization

Flexibility: Inspired to perform well when granted the ability to set your own schedule and goals

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle or feel, reach with hands and arms, view customer information, and talk or hear. The employee frequently is required to stand and walk. The employee must regularly lift and/or move up to 5 pounds and frequently lift and/or move up to 25 pounds.