What are the responsibilities and job description for the Mortgage Loan Officer position at Desert Financial Credit Union?
Mortgage Loan Officers (MLO) originate loans primarily sourced from electronic channels such as, web, chat, video, and dedicated phone lines. MLOs are responsible for making the most out of each lead, by carefully assessing the needs of the client and offering solutions to meet those needs. MLOs are expected to meet all state and federal regulatory compliance, as well as internal quality and service standards.
What you will do here:
Originate mortgage loan applications via the telephone, web, email, video conference channels, and from assigned branches. Engage with customers to recommend loan products and other services that are in the best interest of the customer. Understand and maintain a thorough knowledge of various mortgage loan programs (FNMA/FHLMC, FHA/VA) and company products to provide clients with most suitable options. Obtain, validate, and secure pertinent financial and credit data to qualify clients
Review all loan applications by verifying supporting documentation and creditworthiness, and prepare loan applications to meet quality standards for submission to processing
Accurately price loans and ensure timely preparation and delivery of all required loan disclosures.
Provide timely follow-up on all originated mortgage applications.
Collaborate with Member Engagement Center (MEC) managers, MEC employees, and other business partners to develop and promote home buyer education seminars and drvie mortgage loan business.
Participate in external events to foster Relator relationships.
Perform other job-related duties as assigned.
What you will need:
High School Diploma or GED required.
1 years experience in a sales and/or call center environment required.
1 years previous mortgage origination, underwriting, or processing experience preferred.
Excellent customer service skills required.
Effective relationship building skills required.
Excellent verbal and written communication skills required.
Strong attention to detail and follow-up skills required.
Demonstrated understanding of mortgage lending principles and practices preferred.
Competency using Mortgage Loan Origination Systems preferred.
NMLS Registration or NMLS License required.
Mortgage Originator State License preferred.
We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.
For additional information about our organization, careers, and benefits visit: http://www.desertfinancial.com/careers.
