Full-Time
Mortgage Loan Officer
Infuze Credit Union
No salary listed
Osage Beach, MO, USA
In Person
Category
 Finance & Banking (1) |
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Requirements
- A high school diploma or GED is required.
- Two to five years of similar or related experience is required.
- Familiarity with sound analytical and lending procedures is required.
- Knowledge of lending compliance guidelines and state and federal regulations is required.
- Willingness to follow internal policies and procedures is required.
- Strong communication and interpersonal skills are required.
- The ability to perform primarily sedentary work involving bending, sitting, standing, occasional lifting up to 60 pounds, and climbing or descending stairs in an emergency is required.
- The ability to operate standard office equipment, including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators, is required.
- The ability to routinely work on a computer for an average of six to eight hours per day when necessary is required.
- The ability to work extended hours or travel off-site when required or requested by management is required.
- Regular, reliable, and timely attendance is required.
- Compliance with company policies and procedures and applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, is required.
Responsibilities
- Interview loan applicants and members requesting refinancing or loan modifications, and assist with the loan application process by pulling credit reports, verifying debts, and estimating monthly payments for outstanding debts not listed on applications.
- Obtain and evaluate credit bureau reports, calculate debt-to-income and debt-service ratios, calculate secured and unsecured debt, and ensure that real-estate loans are processed accurately.
- Communicate regularly with members, realtors, and other relevant parties through in-person appointments, phone calls, email, text, and other electronic communication methods.
- Provide information about current loan policies and procedures.
- Communicate reasons for loan denials and explore options for members when loans are denied.
- Answer member questions related to mortgage loans.
- Develop mortgage loan business through member seminars and calls to realtors, contractors, and other institutions.
- Resolve complaints from members and nonmembers in a professional manner.
- Maintain positive working relationships with real estate agents and brokers, attorneys, and contractors to support continued mortgage business.
- Attend community events when requested and present a favorable image of the organization.
- Perform other duties as assigned.