Mortgage Loan Officer

Primary Function As a Universal Mortgage Originator at Neighbors Credit Union, you will play a pivotal role in driving the production of 1st and 2nd mortgages. This sales-focused position demands creativity, tenacity, and a member-centric approach. You will be responsible for establishing and nurturing relationships with external contacts and community stakeholders to generate new mortgage opportunities. Your ability to connect our mortgage and credit union products with members’ needs and ensure excellent follow-through and member experience will be key to success. Primary Responsibilities Mortgage Production Generate new business for 1st and 2nd mortgages by proactively identifying and cultivating relationships with members and potential members Meet or exceed established mortgage production goals through effective sales strategies and service excellence Relationship Building Establish and maintain strong external contacts, including real estate agents, builders, attorneys, financial advisors, and other centers of influence. Actively engage in community involvement and networking opportunities to promote Neighbors Credit Union and our services. Develop and maintain a referral network to generate business leads and enhance community presence. Sales and Service Utilize a consultative sales approach to understand and identify member’s needs and provide solutions offered by Neighbors to assist Present and promote mortgage, consumer and deposit options that align with members’ financial goals and credit profiles. Provide exceptional service throughout the mortgage application process Compliance and Documentation Maintain a thorough understanding of mortgage products, policies, and regulatory requirements. Ensure all applications and documents comply with internal and external guidelines. Maintain accurate and up-to-date records of all sales activities and member interactions. Collaboration and Teamwork Work closely with the mortgage processing and underwriting teams to facilitate efficient loans processing, approval and closings. Collaborate with colleagues across the credit union to support overall member service and organizational goals. Qualifications Proven track record in mortgage sales and origination Strong knowledge of 1st and 2nd mortgage products, market trends, and regulatory requirements Excellent interpersonal and relationship-building skills, with the ability to connect and engage with diverse community stakeholders Highly motivated and results-driven with a creative approach to sales and problem-solving Exceptional organizational skills and the ability to manage multiple tasks and deadlines effectively Proficient in using mortgage origination software and Microsoft Office applications Active involvement in community and professional networks is a plus NMLS registration in good standing Requirements Experience One to Three years prior Real Estate loan experience in a credit union or other financial institution Education Bachelor’s degree in business, finance or related field or equivalent experience Specialized training within Real Estate Loans Knowledge Thorough knowledge/command of the English language (ie: punctuation and grammar) Working knowledge of Microsoft Office products required Working knowledge of mortgage software and Real Estate Compliance Skills & Additional Requirements Exceptional verbal and written communication skills Friendliness, courtesy, tact and diplomacy are essential elements Detail oriented and excellent organizational skills are required Must present themselves in a professional manner at all times Must keep all credit union business strictly confidential This position may require flexible scheduling including evenings and weekends to accommodate members’ needs and networking opportunities Physical Requirements While performing the job duties, the employee is required to talk and hear. The employee is often required to sit and use their hands and fingers, to handle or feel. The employee is occasionally required to stand, walk, reach with arms and hands, climb or balance, and stoop, kneel, crouch, or crawl. Must be able to sit or stand for long periods. Must be able to operate a computer and other office equipment. Vision abilities required by this job include close vision. The ability to lift items weighing 20 pounds is required. Must be able to travel from branch to branch every week and be able to work more than forty hours when needed. Must be able to speak clearly and see clearly with reasonable accommodation. Reasonable accommodation can be made to enable those with disabilities to perform the described essential functions. Work Environment While performing the duties of this job, the employee is occasionally exposed to changes in climate and temperature. The noise level in the work environment is usually quiet to moderate. Local travel is required for this position. This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by employees within this job. This job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities, or working conditions associated with the position. Rewards This position is full time and will be eligible for benefits, and an annual incentive plan. We have excellent opportunities for career advancement and professional development. Salary Range We offer base plus a competitive commission. Schedule 8:00 AM - 5:00 PM Monday through Friday Benefits Medical Dental Vision Life Insurance Short Term and Long-Term Disability HRA and FSA 401(k) with matching contributions. Tuition Reimbursement Birthday Time Off Vacation Time Off Sick Time Off – Can be used for both employee and family. 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