Home Loan Officer - Business Development

Description

Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us: About - Gesa Credit Union

Role Summary:

Under the direction of the Production Manager/Team Leader – Business Development (BD), the Home Loan Officer - BD generates leads, develops and maintains referral relationships, and assists members with their mortgage lending needs. The Home Loan Officer - BD analyzes loan requests and makes credit decisions based on mortgage lending policy, originates real estate first mortgage loans for the credit union’s portfolio or for sale on the secondary market for existing members and for new members obtained through business development efforts and outside sales, and projects a professional image and maintains confidentiality with all members and sensitive data.

What You Will Be Doing:

• Meet the minimum established individual goals each month.
• Make in-person calls on real estate agents and brokers, financial advisors, builders, and other potential referral sources to develop borrower leads. It is expected the Home Loan Officer will spend significant time out in market selling loan products and generating leads.
• Meet prospective clients at locations outside of Gesa as needed.
• Attend Open Houses and other industry events as needed.
• Home Loan Officers focused on business development will have office availability at a Gesa location, but the flexibility for significant time outside of the office generating business as needed.
• Perform the loan origination function in a thorough and complete manner. Adhere to Credit Union policies and procedures.
• Ensure that all approved loans comply with applicable regulations, established loan standards, and have zero errors.
• Maintain a professional, courteous, and friendly atmosphere for members and co-workers.
• Demonstrate a working knowledge of all mortgage products and rates, both within the Credit Union and from the industry overall.
• Troubleshoot and resolve member and internal inquiries in a timely, friendly, and accurate manner.
• Interview members for residential mortgage loans, and clearly explain financing and mortgage programs and their requirements.
• Inform members of results of preliminary financial analysis.
• Calculate Loan Estimates.
• Monitor status of loans; process loan in a timely manner.
• Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
• Attend Credit Union training sessions, conferences, and seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities.
• Build positive relationships with real estate agents and members of the community to increase production of loan sales.
• Promptly report areas and actions of concern to supervisor as actionable.
• Display mutual respect, trust, and dignity, acting in the best interest of the Credit Union. Lead by example by displaying solid ethics and integrity at all times.
• Control risk and perform duties in a safe and sound manner.
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
  
  
  

About You:

• Ability to multi-task on numerous projects simultaneously.
• Ability to effectively communicate in writing, in person and over the phone.
• Ability to make quality decisions in a timely manner with extreme attention to detail.
• Ability to work with minimal supervision.
• Ability to promote and maintain a productive work environment.
  
  
  

Qualifications

What You Will Need:

• Three to five years of similar or related experience; mortgage lending experience desired.
• High school diploma or equivalent completion of specialized course of study, training, and experience.
• Obtain and maintain valid NMLS Mortgage Loan Originator Identification (MLO) Number.
• Extensive knowledge of conforming and non-conforming loans as defined by the secondary market desired.
• Experience with Desktop Underwriting or other lending-specific software desired.
• Experience in the development of new business through calling on the real estate community and membership in professional organizations, with a proven outside sales track record desired.
• Experience in loan origination consistent with FNMA guidelines, as well as FHA and VA loan originations desired.
• Proficiency with standard office equipment, lending software, spreadsheets, and word processing.
• Independent travel is required to achieve training and business objectives.
• A valid Driver’s License is required.
  
  
  

Our Team Member Value Proposition:

In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs
  
  
  

Salary Range:

$45,760.00-$350,000.00 (Base/Commission)

Get wise to what’s possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity (gesa.com)

Description

Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us:

Role Summary:

Under the direction of the Production Manager/Team Leader – Business Development (BD), the Home Loan Officer - BD generates leads, develops and maintains referral relationships, and assists members with their mortgage lending needs. The Home Loan Officer - BD analyzes loan requests and makes credit decisions based on mortgage lending policy, originates real estate first mortgage loans for the credit union’s portfolio or for sale on the secondary market for existing members and for new members obtained through business development efforts and outside sales, and projects a professional image and maintains confidentiality with all members and sensitive data.

What You Will Be Doing:

• Meet the minimum established individual goals each month.
• Make in-person calls on real estate agents and brokers, financial advisors, builders, and other potential referral sources to develop borrower leads. It is expected the Home Loan Officer will spend significant time out in market selling loan products and generating leads.
• Meet prospective clients at locations outside of Gesa as needed.
• Attend Open Houses and other industry events as needed.
• Home Loan Officers focused on business development will have office availability at a Gesa location, but the flexibility for significant time outside of the office generating business as needed.
• Perform the loan origination function in a thorough and complete manner. Adhere to Credit Union policies and procedures.
• Ensure that all approved loans comply with applicable regulations, established loan standards, and have zero errors.
• Maintain a professional, courteous, and friendly atmosphere for members and co-workers.
• Demonstrate a working knowledge of all mortgage products and rates, both within the Credit Union and from the industry overall.
• Troubleshoot and resolve member and internal inquiries in a timely, friendly, and accurate manner.
• Interview members for residential mortgage loans, and clearly explain financing and mortgage programs and their requirements.
• Inform members of results of preliminary financial analysis.
• Calculate Loan Estimates.
• Monitor status of loans; process loan in a timely manner.
• Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
• Attend Credit Union training sessions, conferences, and seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities.
• Build positive relationships with real estate agents and members of the community to increase production of loan sales.
• Promptly report areas and actions of concern to supervisor as actionable.
• Display mutual respect, trust, and dignity, acting in the best interest of the Credit Union. Lead by example by displaying solid ethics and integrity at all times.
• Control risk and perform duties in a safe and sound manner.
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
  
  
  

About You:

• Ability to multi-task on numerous projects simultaneously.
• Ability to effectively communicate in writing, in person and over the phone.
• Ability to make quality decisions in a timely manner with extreme attention to detail.
• Ability to work with minimal supervision.
• Ability to promote and maintain a productive work environment.
  
  
  

Qualifications

What You Will Need:

• Three to five years of similar or related experience; mortgage lending experience desired.
• High school diploma or equivalent completion of specialized course of study, training, and experience.
• Obtain and maintain valid NMLS Mortgage Loan Originator Identification (MLO) Number.
• Extensive knowledge of conforming and non-conforming loans as defined by the secondary market desired.
• Experience with Desktop Underwriting or other lending-specific software desired.
• Experience in the development of new business through calling on the real estate community and membership in professional organizations, with a proven outside sales track record desired.
• Experience in loan origination consistent with FNMA guidelines, as well as FHA and VA loan originations desired.
• Proficiency with standard office equipment, lending software, spreadsheets, and word processing.
• Independent travel is required to achieve training and business objectives.
• A valid Driver’s License is required.
  
  
  

Our Team Member Value Proposition:

In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs
  
  
  

Salary Range:

$45,760.00-$350,000.00 (Base/Commission)

Get wise to what’s possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.