Mortgage Loan Officer

Job Title: Mortgage Loan Officer Job Type: Full-time Location: Virginia area branches All of us at Chartway stand united in our strong culture of listening and learning. We treat people with respect, integrity, and kindness, and are committed to continuously developing a diverse and inclusive workplace where team members are empowered to be their authentic selves. All backgrounds, viewpoints, and life experiences are welcome, knowing this commitment strengthens our credit union family and communities. The Mortgage Loan Officer is responsible for originating a mortgage loan with a member or potential member online, by phone, in person or from a team member referral. This position is responsible for accurate and efficient completion of the loan application, using this process as an opportunity to cross sell other credit union loan and deposit products. This position effectively communicates with the member and the mortgage team to ensure problem resolution and member satisfaction in a timely manner. This position establishes and preserves professional business relations with loan referral sources. This position reports to the Mortgage Production Manager and is a commission-based position. Responsible and Accountable To pre-qualify members or potential members,choose appropriate loan plan options, interview the member to completeapplication, gather necessary documents, assemble loan file, issuepreliminary disclosures with related fees and prepare loan application forprocessing. To advise members of steps and normal timeframes inloan process, including but not limited to setting expectations for timecritical events, rates, fees, APR and other important elements offinancing. To cross sell additional credit union products andservices that complement and enhance the member’s financial well-being. Mustsuccessfully participate and pass all Continuing Education work asrequested by Chartway and /or required by Regulatory agencies Knowledge, Skills and Abilities Solid understanding of the Real Estate industry, home purchase market and life cycle.Have the ability to coach and counsel members in the nuances of home purchase and refinance loans. Knowledgeableof mortgage program guidelines for credit union approved mortgage loanproducts as well as strong understanding of Loan Estimate and ClosingDisclosure requirement as outlined in TRID, interest rates and APR Ability to comply with federal, state and local lawsas well as credit union policy related to Fair Credit, Equal HousingOpportunity, Truth in Lending and the Home Mortgage Disclosure Act throughoutthe mortgage application process. Must have excellent sales skills with the abilityto match member needs with credit union products and effectively positionbenefits for member to seek 1st mortgage financing withChartway. Ability to coach and train team members to generatemortgage referrals. Ability to organize, plan and develop, and deliverhome buying seminars to both Realtors and Members. Ability to build a network of mortgage referral sources within the community Excellent communication and public relations skillsto build relationships with internal and external contacts. Education and Experience Education: Associates degree or equivalentexperience. Experience: Minimum of 2-3 years of 1st mortgage lending sales experience including both purchase and refinanceloans. Chartway offers a competitive salary and a comprehensive benefits package. Candidates must have a good credit history for consideration. Salary requirements must be included and resumes must be accompanied by a Chartway Employment Application for consideration. Chartway Federal Credit Union is an EOE/M/F/Disability/Vet Employer. If a reasonable accommodation is needed for the job interview process, please contact our Talent Acquisition Team at View phone number on click.appcast.io or email us at View email address on click.appcast.io. #J-18808-Ljbffr