Branch Manager/Mortgage Loan Officer

DESCO FEDERAL CREDIT UNION

DESCO Federal Credit Union is a member-owned financial institution committed to providing exceptional financial services and products to our members. With a strong focus on community engagement and innovative solutions, we aim to help our members achieve their financial goals while maintaining the highest standards of integrity and member service.

Job Title:

Branch Manager/Mortgage Loan Officer

Location:

Huntington, WV

Primary Duties

• Guide and manage branch office to provide quality service to members
• Maintain a highly motivated, well-trained staff, maintaining effective employee relations
• Ensure that the branch is in compliance with federal laws and regulations set forth by the National Credit Union Administration
• Monitor branch activity including teller transactions, new accounts, and loan volume
• Ensure the staff receives on-going training
• Responsible for interviewing and taking new loan applications, conducting credit checks, and compiling supporting papers in the loan process. Should have a working knowledge of sources of information.
• Obtain and compile financial information to evaluate loan applications and their risk.
• Utilize professional judgement to determine which potential borrowers represent good risk opportunities for the credit union.
• Putting together a complete loan package and working with underwriting team throughout the loan process.
• Complete/decision mortgage loans (refinances & purchases), consumer loans (vehicle, signature, etc.), and home equity lines of credit, etc.
• Generate new members and referrals through strong relationship building.
• Work directly with members to determine their needs, recommend the best loan product, review agreements, explains programs, and negotiate loans and terms.
• Maintain an active knowledge base of all the credit union’s loans products/policies and an understanding of the qualifications required of each applicant.
• Review active loan files each day to determine if any documents are missing or what can be done to help the process along to completion.
• Answer member questions concerning mortgage and consumer loans in person and on the telephone.
• Assists in performing other loan and general clerical work in the credit union as time permits.

Requirements

• High school diploma required; undergraduate degree or some college work preferred.
• At least 3-5 years experience in business related field.
• Must register/be registered by the Nationwide Mortgage Licensing System and Registry.
• Ability to lift and carry up to 25 pounds.
• Prolonged periods of sitting at a desk and working on a computer.
• Occasional travel to various branch locations and community events.

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Tuition reimbursement
• Vision insurance

Schedule:

• Monday to Friday

Education:

• High school or equivalent (Required)

Experience:

• Loan Origination: 1 year (Required)

License/Certification:

• NMLS (Preferred)

Work Location: In person