Mortgage Loan Officer

Job Description

Job Description

Description:

Want to work for a non-profit organization whose premise is “People helping people”?  Enrichment FCU offers outstanding benefits, and the opportunity to work with a team built on integrity and exceptional service to others. Join our team and help make a difference in the financial well-being of our members! The perks are so rewarding.   

• Medical, Dental, and Vision Insurance
• Company paid Long-Term Disability, Basic Life, and AD&D
• 401k and Company Match
• Vacation, Sick time, and Holiday pay
• Employment Assistance Program
• End of Year Bonus

Job Summary: Under the guidance of the Mortgage Manager, the Mortgage Loan Officer will evaluate and process mortgage applications for residential property buyers. Assisting applicants’ financial profiles, determine eligibility, and recommend appropriate loan products based on the applicant’s needs and creditworthiness.

Essential Functions:

• Evaluate mortgage loan applications and determine eligibility for loan products.
• Guide clients through the mortgage process, explaining loan options and terms.
• Assess applicants’ creditworthiness, including financial history, income, and debt levels.
• Ensure timely and accurate submission of documentation and application forms.
• Ensure compliance with federal, state, and local regulations regarding mortgage lending.
• Stays updated on market conditions and mortgage rates.

Job Qualifications: Bachelor’s degree in finance, business, or a related field or three to five years’ experience in mortgage lending or loan processing. Knowledge of mortgage origination software (Calyx Point) preferred. 

Job Skills, Abilities, and Knowledge:

• In-depth knowledge of mortgage products, guidelines, and regulatory compliance.
• Skilled in technology in applicable computer programs and virtual/digital work. Ability to work in a paperless environment. Ability to work with confidence in multiple software applications. Has the ability to incorporate existing or available technologies to help automate certain processes. Ability and willingness to learn new processes and apply them appropriately.
• Skilled in both written and verbal communications. Strong writing and keyboard skills. Ability to effectively present information and respond to questions from groups of associates. Ability to communicate at all levels of the organization.
• Ability to work in a fast-paced environment.
• Ability to use strong analytical skills.
• Knowledge of Credit Union specific and mortgage industry loan products and programs, including mortgage origination software.
• Skilled in reviewing documents and data with excellent attention to detail.

Mental & Physical Requirements: Requires sitting 6-8 hours a day; Stress related to important decisions. Must be able to work a flexible schedule to include weekends and occasional after hours as necessary.

Remote Work Requirements: This is a hybrid role. Employee will embrace working remotely from home at the discretion of the Mortgage Manager. When working from home, must have a safe, secure, private, and dedicated workspace.