Mortgage Loan Officer
Company: P1fcu
Location: Meridian
Posted on: April 25, 2024
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Job Description:
RoleTo assist members with their mortgage lending needs: analyze
loan requests and make credit decisions based on mortgage lending
policy.Major Duties and ResponsibilitiesReview and evaluate
information on mortgage loan documents to determine if buyer,
property, and loan conditions meet credit union and governmental
standards. Approve or reject loan application, or requests
additional information. Establish terms and conditions of an
approved loan and reviews with member.Conducts the loan interview
and secures the member information necessary to initiate a loan
transaction. Then provides loan information and service to members,
realtors, and others as needed.Prepares records and reports as
requested regarding loan origination and closing activities as
needed.Responds to inquiries from prospective members regarding all
types of mortgage and construction loans, provides requested
information regarding the organizations lending policies and
procedures.Assemble and organize documents in loan file, including
acceptance or denial, and return file to designated clerk or
destination.Requests a personal employment and credit check of the
applicant, requests an appraisal on the property and/or
construction plans under consideration.Identify cross-selling
opportunities and cross-sells other credit union services.Maintains
close relations with others in the banking community, home
construction, and real estate to be knowledgeable about property
values and to build network of professionals.Must comply with all
company policies and procedures, applicable laws and regulations,
including but not limited to, the Bank Secrecy Act, the Patriot
Act, and the Office of Foreign Assets Control.Knowledge and
SkillsExperienceExperience with Federal Housing Authority (FHA),
Veterans Affairs (VA), and Federal National Mortgage (Fannie Mae),
jumbo non-conforming, USDA, construction loans, and bridge
loans.Highly competitive compensation structures
available.Education/Certifications/LicensesIncumbents are required
to maintain their registration active, and current, with the
National Mortgage Licensing System throughout their
employment.Interpersonal SkillsA significant level of trust,
credibility and diplomacy is required. In-depth dialogues,
conversations and explanations with customers, direct and indirect
reports and outside vendors can be of a sensitive and/or highly
confidential nature. Communications may involve motivating,
influencing, educating and/or advising others on matters of
significance.Other SkillsIs responsible for a width of information
including but not limited to: the organizations current mortgage
loan interest rates, commitment/rate lock/relock fee procedures,
consumer loan products/rates/guidelines that are used in
conjunction with Mortgage Lending (Execulines, second mortgage
products, swing loans, land loans, etc.), Bankpro loan origination
software system.ADA RequirementsPhysical RequirementsPerform
primarily sedentary work with limited physical exertion and
occasional lifting of up to 5 lbs. Must be capable of climbing /
descending stairs in emergency situation. Must be able to operate
routine office equipment including CRTs, typewriters, telephone,
copier, facsimile, and calculator. Must be able to routinely
perform work on computer for an average of 6-8 hours per day, when
necessary. Must be able to work extended hours whenever required or
requested by management. Must be capable of regular, reliable and
timely attendance.Working ConditionsMust be able to routinely
perform work indoors in climate-controlled shared work area with
minimal noise.Mental and/or Emotional RequirementsMust be able to
perform job functions independently or with limited supervision and
work effectively either on own or as part of a team. Must be able
to read and carry out various written instructions and follow oral
instructions. Must be able to complete complex mathematical
calculations and spell accurately. Must be able to speak clearly
and deliver information in a logical and understandable sequence.
Must be capable of dealing calmly and professionally with numerous
different personalities from diverse cultures at various levels
within and outside of the organization and demonstrate highest
levels of customer service and discretion when dealing with the
public. Must be able to perform responsibilities with composure
under the stress of deadlines / requirements for extreme accuracy
and quality and/or fast pace. Must be able to effectively handle
multiple, simultaneous, and changing priorities. Must be capable of
exercising highest level of discretion on both internal and
external confidential matters.by Jobble
Keywords: P1fcu, Meridian , Mortgage Loan Officer, Other , Meridian, Idaho
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