Mortgage Loan Officer

Mortgage Loan Officer

Location:

This opportunity is available in the greater Wilmington, NC market.

Corning Credit Union is seeking a Mortgage Loan Officer to join our team.

Corning Credit Union (CCU) is one of the leading credit unions in the nation with $2.4 billion in assets and more than 160,000 members worldwide. Headquartered in Corning, NY, we also have facilities in Wilmington, NC, Myrtle Beach, SC, and Franklin County, PA.

We're committed to helping our members prosper by being a trusted advisor for financial services. CCU’s vision is simple: “To provide better service to our members than they receive anywhere else in the world.” Our growth is fueled by that vision, and it doesn’t stop with our members. We are also committed to fostering a strong service culture within the organization. Teamwork, open communication, and valuing the individual are just a few of the key performance standards that help us provide an exceptional work environment for our outstanding team.

If you share our passion for serving others, then CCU is the place for you to build a rewarding career. In addition to the vast opportunities that exist within the organization, CCU also offers a competitive base salary and annual bonus plan along with an exceptional benefits package. With a strong emphasis on our team and dedication to excellent customer service, Corning Credit Union continues to be an employer of choice across the markets we serve.

Role Summary:

The Mortgage Loan Officer is a residential originator that is primarily responsible for building Corning Credit Union's brand and reputation within the mortgage community, growing our portfolio and securing our position as a Mortgage Market Leader. This is accomplished through a self-developed referral network using consistent business development, networking, and relationship building techniques and efforts.

Essential Job Duties

• Consistently focuses on growing CCU's mortgage portfolio and local market share through securing and fostering strong realtor, builder, and developer relationships.
  • Regularly attends realtor community functions.
  • Participates as a member of Realtor or builder trade associations.
  • Develops strong, individual relationships with key realtors, agencies, or other centers of influence within the market through regular communication and touch points.
• Works to develop community relationships and participates in other business development and community activities to enhance our exposure and overall brand within the market. This includes involvement in external events and responsibilities outside of regular business hours.
• Develops a portfolio that also includes pre-qualified members and proactively maintains contact with those members to increase our pre-approved to closed ratio
• Adheres to all service level requirements and is highly responsive to members, realtors, and referral partners.
• Interviews loan applicants and assists members with the loan application process.
• Educates members about products and services that meet their needs and contribute to a lasting, profitable relationship.
• Maintains strong knowledge regarding all applicable regulations and ensures adherence to Fair Lending requirements.
• Maintains advanced knowledge of Freddie Mac and how it relates to the Mortgage industry and possesses detailed knowledge in a specialized area of mortgages such as construction, investment, or first-time home buyer.
• Builds on a strong portfolio that has been developed over time and assists the Mortgage Originations team in maintaining contact to increase our pre-approved to closed ratio.

Required Competencies

• A highly motivated and personable professional with outstanding abilities in networking, relationship development, and sales.
• Possesses strong verbal and written communication skills.
• Demonstrates strong autonomy in tasks while thriving in a collaborative, high-performing team environment.
• Highly flexible and able to attend outside and "off-hour" functions within the community and industry.
• Possesses solid computer skills and is experienced with various Microsoft programs including Excel.

Education Requirements

• A bachelor’s degree in Business or a related field is preferred. Commensurate work experience will also be considered.
• A high school diploma or GED is required.

Experience Requirements

• Prior business development and outside sales preferred and mortgage lending experience required.

Communication Skills Requirements

• The ability to read and comprehend moderate to advanced instructions and correspondence.
• The ability to write moderate to advanced correspondence within professional etiquette standards.
• The ability to effectively present information in one-on-one and small-group situations.
• The ability to effectively communicate loan decisions and navigate sensitive situations.

Physical Requirements

Reasonable accommodations may be made to enable individuals with disabilities to perform the role.

• Ability to work within a fast-paced environment.
• Regular use of computer is required.

An Equal Opportunity Employer. Corning Credit Union values diversity and is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Pay transparency nondiscrimination provision. The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c).

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