Realtors/Mortgage Professionals

What we offer
$40K+/annual base salary which includes an initial 4 month guaranteed draw period; exact commission schedule to be discussed upon offer. Compensation for this position will be determined based on the candidate's experience, skills, and qualifications. Final pay may vary depending on factors such as prior experience, expertise, and specific requirements of the role. We are committed to offering competitive compensation and will discuss the final pay rate with candidates should an offer be made.

Who you are - Mortgage Loan Officer
You are a dynamic, detail oriented, intuitive person with the ability to develop relationships, build rapport and become a trusted team member. You are able to provide everyone you assist or support with a high level of service, have strong organization and multi-tasking skills, and are searching for a rewarding career where you are valued and respected.

What you'll do

Develop, maintain and solicit residential first mortgage and HELOC loan business through effective relationships with real estate agents, community organizations (such as local Chamber of Commerce and Board of Realtors) and other referral sources (such as financial planners, attorneys, builders) to promote awareness of HFCU’s products and services. Represent the credit union in a professional manner and provide quality service to current and potential members.

Guide new and existing members, including first-time homebuyers, through the application process. Conduct person to person interviews with members who request an appointment for a mortgage loan or HELOC, and complete the application for the member during the interview. Counsel applicants on credit, affordability and conducts pre‑qualification analysis. Explain rate, terms, payment amounts and closing costs to the member. On a timely basis, respond to member e‑mail and telephone inquiries requesting information on products, services, and problem resolution.

Develop and present real estate financing related seminars and workshops at branch and other locations. Follow up with interested parties for pre‑qualification, general mortgage counselling and score enhancement when appropriate.

Actively manage individual loan pipeline and provide consistent and timely follow up to members to ensure minimum turnaround time and enhance the members’ experience. Provide activity reports to the SVP, Residential Loan Sales as requested or required.

Complete all necessary loan data in relevant POS & LOS systems as required, meet all compliance deadlines and requirements and work with Residential Loan Operations staff to achieve a timely and efficient approval and closing process.

Cross‑sell all HFCU products and services where possible.

Keep informed of trends and developments in the real estate loan market and make recommendations to improve products, services, policies and procedures.

Perform such other duties and functions as requested or required from time to time.

Knowledge/Skills/Experience Required

Strong desire to work in a purpose driven organization.

Must have 5 - 8 years of verifiable, successful expertise in Real Estate Loan origination (or applicable sales related experience) with a working knowledge of all state and federal (Fannie Mae and VA guidelines) mortgage regulations.

A two‑year college degree or completion of a specialized course of study at a business or trade school equivalent to approximately 64 credit hours.

Must become registered as a Hanscom Federal Credit Union Mortgage Loan Originator (MLO) with the National Mortgage Licensing System (NMLS).

Strong written and oral communication skills with the ability to effectively communicate information over the telephone and in person.

Exemplary public speaking skills similarly required.

Willingness to work hours outside of the typical "9am to 5pm" week, including weekends, as responsibilities require.

Physical Requirements
Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions
Must be able to routinely perform work indoors in climate‑controlled shared work area with minimal noise.

Mental and/or Emotional Requirements
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Must be authorized to work in the US.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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