Branch Manager & Mortgage Loan Originator (MLO)

Casco FCU is hiring a Branch Manager & Mortgage Loan Originator (MLO) in Gorham. Primary Purpose of Position: The Branch Manager will provide leadership and oversight for the branch while originating residential mortgage loans and delivering a high-quality borrower experience—because keeping people, pipelines, and paperwork moving in the same direction is all in a day’s work. The position is responsible for managing day-to-day branch operations, leading and developing staff, coordinating staffing coverage, and ensuring compliance with company policies, internal controls, lending procedures, and applicable laws and regulations (with plenty of coffee and good judgment along the way). This roles serves to establish clear expectations, address operational and service issues, support collaboration among branch, and drives accountability for branch and individual goals while helping create a positive, energetic workplace. The role of the Mortgage Loan Officer includes determining needs, recommending appropriate products, gathering required information, and preparing complete and accurate mortgage applications—making the mortgage process feel a little less intimidating and a lot more manageable. Duties & Responsibilities: Oversees day-to-day branch operations to ensure efficient workflow, appropriate staffing coverage, a professional environment, and consistent delivery of high-quality service. Leads, coaches, and develops branch staff; sets clear performance expectations, provides ongoing feedback, and supports training and professional development. Monitors branch sales, service, production, and operational performance; establishes action plans and holds the team accountable for achieving branch and individual goals. Resolves escalated member, borrower, partner, and employee concerns professionally and in a timely manner, involving senior management or other departments when appropriate. Represents the branch in the community and develops local partnerships and outreach opportunities that strengthen brand awareness, referral relationships, and business growth. Develops, maintains and leverages referral source network for mortgage sales and engages in outside marketing and promotional activities to support individual mortgage sales. Originates and qualifies borrowers for desired mortgage loan products within Secondary Market, CUSO Home Lending, and/or according to Credit Union Residential Loan Policy. Build book of business: Proactively seek ways to develop and expand customer relationships in order to contribute towards the brand success. Maximize personal productivity: Desire to maximize personal productivity through attention to detail, self-motivation, and adaptability to achieve branch and personal goals. Submit thorough, complete and accurate loan applications while analyzing applicant information to determine viability of the borrowers desired loan program. Pull and analyze credit and compare for accuracy with the borrowers’ statements. Provide guidance and information relevant to the risks and benefits of each program the applicant is qualified for. Effectively explain and communicate the terms of each product and ensure all documents necessary are signed by the borrower. Communicate with the borrowers and realtors, if applicable, throughout the loan process to ensure they have a complete understanding of the status of the loan and requirements needed to bring the loan to closing. Maintain/increases working knowledge of CUSO and Credit Union products. All other duties as assigned and necessary to complete the job function. Knowledge, Skills, & Working Conditions: 2+ years Mortgage Loan Officer experience. Effective verbal communication and listening skills. Excellent interpersonal and writing skills. Strong understanding of Fannie Mae and Freddie Mac guidelines and HUD, VA Rural Development and Maine State Housing Authority mortgage programs. Strong knowledge of mortgage loan regulatory compliance Positive attitude and willingness to help others. Strong time management and organizational skills. Attention to detail and high level of accuracy Use of standard office equipment on a daily basis including excellent computer skills in a Microsoft Windows environment. Moderate lifting (to 35 lbs.) may be necessary. Moderate reaching, walking, sitting and standing required. We offer a comprehensive benefits package including medical, dental, vision short/long term disability, life insurance, 401(k) with employer match program, and paid time off. Salary Description: $70,000 – $90,000 per year #J-18808-Ljbffr Maine Credit Unions