Mortgage Loan Officer

Position Summary The Mortgage Loan Officer is responsible for assisting current and potentially new members with the mortgage loan process, guiding them through the application, approval and closing stages. Their duties include recommending appropriate loan mortgage product options and explaining terms to members based on individual profiles. Principal Duties and Responsibilities Willingness and ability to exhibit Wellby core values every day. Work purposefully and is driven to provide the best team member experience. Meet with prospective member borrowers. Request, review and analyze applicant credit and financial data. Determine member financing objectives and goals. Present appropriate products and programs to members and explain guidelines. Discuss interest rate pricing as required. Identify opportunities to sell additional loan products. Collect all necessary supporting documentation to proceed the application. Work with compliance and underwriting to ensure all conditions are met. Provide ongoing communication with the member throughout the process, including closing details. Ensure exceptional service experience for members. Comply with applicable consumer laws, regulations and company guidelines. Complete all required training and licensing. Maintain thorough knowledge of lending programs, policies, procedures and regulations. Maintain confidentiality of all processed information. Achieve mutually agreed personal production goals set by mortgage management. Perform all functions in accordance with mortgage lending policies and procedures. Prepare, complete and submit required reports as directed by mortgage management. Work within the organization’s loan origination system. Ensure accountability and compliance with all applicable laws and regulations. Manage multiple loan submissions and meet required deadlines. Accurately complete basic math functions, calculating rates and percentages. Travel to vendor locations, branch offices and member sites as required. Perform additional duties as assigned. Knowledge, Skills, & Abilities (KSA) Knowledge of Wellby’s organizational functions and general operating procedures. Knowledge of general office procedures, business English, spelling, punctuation and arithmetic. Knowledge of personal computer usage, Microsoft Office Suite and mortgage loan origination software. Knowledge of mortgage pricing, rate sheets and guidelines. Knowledge of mortgage products and guidelines. Skill in operating computer equipment and general office machines such as copiers, projectors, audio/video equipment, Microsoft Teams, Zoom, etc. Skill in identifying and pursuing business expansion opportunities to increase mortgage market share. Ability to communicate information clearly for others to understand. Ability to exchange accurate information in all situations. Ability to work effectively across departments and achieve origination goals. Ability to work in a fast‑paced team environment with exceptional member service skills. Ability to apply mortgage lending industry standards, laws and regulations. Ability to understand and follow oral and written instructions, perform routine duties without close supervision, deal with the public and maintain effective working relationships. Ability to coordinate several concurrent activities simultaneously. Ability to input data accurately and efficiently into mortgage lending software and possess working knowledge of such systems. Ability to work under pressure, dealing with diverse personalities while reviewing loan details to ensure completeness and accuracy. Minimum Qualifications High school diploma or equivalent. Minimum three (3) years of experience as a mortgage loan officer, or three (3) years of mortgage experience and one (1) year as a loan officer or loan officer assistant. Experience originating both conventional and government lending products. Thorough understanding of conventional and government lending underwriting guidelines. Ability to obtain and maintain a Nationwide Multistate Licensing System (NMLS) license. Valid Texas driver’s license or ability to obtain one within 30 days of hire. Meets Wellby’s loan officer monthly minimum production standards. Additional requirements are outlined in the appendix. For all candidates: This is a full‑time, salary (exempt) role. Physical Demands & Work Environment Reasonable accommodations may enable individuals with disabilities to perform essential functions. The position requires remaining in a stationary position 50% of the time. Daily movements include sitting, standing, reaching, grasping, and operating computers and other office equipment. The role may involve onsite and offsite meetings, occasional lifting of up to 25 pounds, and working in an office environment with moderate noise levels. Disclaimer The statements herein describe the general nature and level of work performed by employees and do not constitute an exhaustive list of responsibilities, duties or skills required. The Company reserves the right to modify duties at its discretion. Equal Opportunity Employer Wellby is an equal‑opportunity and affirmative‑action employer and does not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity, pregnancy, veteran status or any other legally protected characteristic. Qualified individuals with disabilities and disabled veterans are encouraged to apply. Requests for reasonable accommodation should be sent to View email address on click.appcast.io or called at View phone number on click.appcast.io. #J-18808-Ljbffr JSC Federal Credit Union