What are the responsibilities and job description for the Outside Sales Mortgage Loan Officer position at OneAZ Credit Union?
This position will be remote. Candidate must reside in Arizona.
Summary
The Outside Sales MLO will play a vital role in delivering tailored mortgage solutions and exceptional service to members, leveraging the credit union's extensive mortgage products. Our comprehensive product suite includes FNMA (Sold), Affordable Housing Programs, Down Payment Assistance Programs, Portfolio ARM Loans, Construction Perm Loans, as well as FHA and VA loans offered through brokered channels. This diverse range of options allows us to provide flexible financing solutions to meet the unique financial needs of each member.
The Outside Sales Mortgage Loan Officer focuses on generating first mortgage loans through outside sales and relationship building, supporting consumers and potential members through a strong referral network within the real estate industry, including Realtors, Builders, and Lenders, and other centers of influence. Functioning away from OneAZ business locations when engaging, this role concentrates solely on outside sales and consumer / potential member engagement.
Essential Functions
- Initiate outreach to external referral sources to establish relationships and cultivate a steady flow of referral business.
- Generate new mortgage loan business through proactive outreach, networking, and relationship-building with real estate agents, builders, and other business partners away from OneAZ branch or headquarters locations.
- Actively engage with potential members and consumers, providing education on mortgage products and supporting their needs throughout the initial stages of the loan process.
- Represent the organization professionally in the community to build brand awareness and establish a strong reputation.
- Act as a trusted advisor and resource for clients, offering guidance and support to help them achieve their homeownership goals.
- Collaborate with internal processing and administrative teams to ensure a seamless and efficient mortgage process for clients, with minimal involvement in paperwork and processing tasks.
- Stay informed about market trends, industry developments, and competitive products to better serve clients and contribute to organizational growth.
- Adheres to all internal policies and federal regulations regarding origination of mortgage loan and applicable deadlines.
- Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.
- Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.
- Promotes and cross-sells other establishment products and services as appropriate to member requirements.
- Other duties as assigned.
This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.
Education
Work Experience
Knowledge, Skills and Abilities
Why join the OneAZ team?
Our culture is one-of-a-kind! You'll be joining a team of friendly, hardworking, helpful associates with the same mission guiding all that we do : We exist to improve the lives of our members, our associates and the communities we serve.
We are proud to be an equal opportunity employer and value diversity. We do not discriminate on the basis of race, color, religion, creed, national origin or ancestry, sex (including pregnancy), age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity, or any other legally recognized protected basis under federal, state, or local law.
Additional Notes :
Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws.
All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws.
Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC).
