Real Estate Loan Officer

Why Work for Mainstreet Credit Union?

Because Mainstreet Credit Union has consistently provided stability for employees and members over the span of more than 65 years. Not to mention, Mainstreet Credit Union aims to be the financial home to every member. We continue to strive for a welcoming culture, where our employees are knowledgeable, helpful, and accountable for their position within the team. To achieve this vision, we provide continued training and development opportunities, as well as a friendly environment where members and employees can feel at home. Being a not-for-profit organization, we keep business simple and real. We enjoy sharing in our community, and we always find the most effective way to serve our members and provide full pay and benefits for our employees, even through uncertain times.

In addition to our friendly and welcoming environment, we offer our employees:

• Day-time hours that provide for a healthy work-life balance
• Four weeks of PTO in the first year with a generous annual PTO carryover plan
• A wide variety of insurance options for health, dental, and vision
• 401k with company match
• Company provided life insurance and long-term disability
• Special product perks for employees

Company Expectations

In the performance of their respective responsibilities, all employees are expected to perform the following:

· Predictable and reliable attendance as required to successfully perform the duties of the position.

· Foster a positive and supportive work environment conducive to the credit union’s culture initiatives by adhering to Mainstreet Credit Union’s service standards and values.

· Ability to perform job expectations in an accurate and efficient manner.

· Complete required new hire, on-the-job and additional training as indicated by management and company policy.

· Comply with all Mainstreet Credit Union policies and procedures as communicated in the Employee Handbook or elsewhere.

Position Overview

The Real Estate Loan Officer is responsible for initial interviews with loan applicants and originates loans in compliance with all credit union lending policies. This position also ensures loan applications also meet FNMA and FHLB guidelines. The Real Estate Loan Officer position is also responsible for the following:

Major Responsibilities

1. Interviews members via phone or in-person to assess their current mortgage needs and all products that will assist the member in purchasing or refinancing a home.

2. Originates mortgage loans either in person or via online submissions, answers member inquiries, sell mortgage products, makes appointments, and conducts interviews.

3. Cross-sells other credit union services.

4. Communicate with borrowers, realtors, and title companies to resolve problems and facilitate a smooth transition in the loan process from origination to closing.

5. Assists processor and/or closer when needed.

6. Monitors current pipeline on a monthly basis, withdrawing any files that are no longer active in compliance with all federal regulations.

7. Assists in other areas of the department as the need arises at the direction of the Manager.

Required Qualifications

· High school diploma or general education degree (GED).

· Minimum of two years experience in a mortgage or financial industry preferred.

Knowledge, Skills, and Abilities:

· Open-minded attitude.

· Requires a large amount of member contact; requires frequent contact with title companies and realtors.

· Exhibits team-building philosophy.

· Requires coordination with accounting and data processing for smooth processing of payments.

· Shows initiative.

· Good judgment skills.

· Must meet all criteria for registration in the Nationwide Mortgage Licensing System & Registry (NMLS).

· Ability to prioritize and keep focused.

· Ability to work as a team player.

· Displays pride in work.

· Knowledge of secondary market guidelines.

· Ability to change direction as priorities change.

· PC and various mortgage software programs, including FICS Loan Producer, Loan Servicer, and FNMA Desktop Underwriter.

· General office equipment experience.

Company Overview

Mainstreet Credit Union began in Johnson County over six decades ago as the Northeast Johnson County Teachers’ Credit Union. Over the years, Mainstreet Credit Union has grown its business by expanding to new locations and acquiring smaller credit unions in the Kansas City area. Today, Mainstreet Credit Union has over 60,000 members, 12 branches across 9 cities, and a much shorter name!

Job Type: Full-time

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Professional development assistance
• Referral program
• Retirement plan
• Tuition reimbursement
• Vision insurance

Schedule:

• 8 hour shift

Work Location: In person