What are the responsibilities and job description for the Mortgage Loan Officer position at Sun Community Federal Credit U?
Job Description
Job Description
Mortgage Loan Officer
Department : Lending – Real Estate
FLSA : Exempt
EEO : Administrative Support Workers
Salary Grade : 16
Salary Range : $68,480 - $90,820
POSITION REPORTS TO : VP Real Estate and Loan Operations
SUPERVISORY POSITION : No
People Vision : Our people create an environment that produces genuine empathy and feelings of care and concern for a better future and personal well-being to make us the only choice in the communities we serve… “Changing lives, because we care.”
Position Summary :
The Mortgage Loan Officer (MLO) serves as a subject matter expert in mortgage lending, focusing on originating, processing, and servicing long-term mortgage loans. The MLO evaluates applicants’ financial circumstances, provides personalized loan solutions, and fosters strong relationships with members, real estate professionals, and referral networks. This role emphasizes delivering exceptional member experiences while ensuring compliance with all policies, procedures, and regulations.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
Business Development and Member Engagement
- Build and maintain a book of business through strategic relationships with local real estate professionals and referral networks.
- Represent the Credit Union at events, fostering community partnerships and expanding loan opportunities.
- Educate members on mortgage products, processes, and regulations while guiding them toward achieving homeownership goals.
Loan Origination and Processing
Portfolio Management and Reporting
Collaboration and Continuous Improvement
PERFORMANCE MEASUREMENTS
Achievement of loan production and portfolio performance goals.
Positive working relationships with members, vendors, and colleagues.
QUALIFICATIONS
Education / Certification :
High school diploma or equivalent required; some college coursework preferred.
NMLS registration required.
Knowledge of industry-standard software (e.g., Microsoft Office, LaserPro) preferred.
Experience Required :
Minimum of 5 years of experience in real estate mortgage lending, including origination and servicing.
Familiarity with mortgage products and guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA) required.
Skills / Abilities :
Ability to manage multiple tasks and meet deadlines effectively
WORKING CONDITIONS
No hazardous or significantly unpleasant conditions (such as in a typical office).
INTENT AND FUNCTION OF JOB DESCRIPTIONS
Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well- constructed job descriptions are an integral part of any effective compensation system.
All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.
Salary : $68,480 - $90,820
