Home Loan Officer

Job Description

Position Overview:

The Home Loan Officer position involves the proficient execution of home lending tasks in alignment with STCU loan standards. The position focuses on originating and closing loans from external and internal sources, including conventional, government, and construction loans. The role emphasizes achieving high volume, accurate, and timely completion of residential mortgage origination functions.

Core Job / Requirements/Outcomes

• Meet mortgage loan production standards by performing high volume lending functions accurately, timely, and in alignment with STCU loan standards and procedures.
• Guide qualified borrowers through the mortgage loan origination process successfully by setting clear expectations with borrowers on timelines, loan conditions and closing dates, as well as evaluating loan application materials and making recommendations that align with STCU policies and/or secondary market guidelines.
• Identify and coordinate opportunities with other departments to maximize their expertise to fulfill corporate objectives and extend financial aid by being proficient in STCU’s products, systems, and procedures as well as developing strong relationships.

Other Essential Functions

• Maintain accurate and current knowledge of all residential loan programs, guidelines, and procedures; to include conventional, Government (FHA/VA), construction, and other STCU portfolio products.
• Evaluate loan applications, credit reports, title reports, appraisals, inspections and supporting documentation
• Take ownership of issues by acting as the member’s advocate.
• Follow through on all commitments.
• Maintain knowledge in and adhere to policies, procedures, and established processes in order to support compliance requirements for the department and the organization overall.
• Recommend policy / procedural changes and process improvements to assist in the achievement of the strategic goals of the organization.
• Contribute to and support a positive work environment to ensure an effective, high performing and cohesive team.

Qualifications

Qualifications

Education High school diploma or equivalent is required. Some college is preferred.

Certifications National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008 must be completed upon hire.

Job Experience Minimum of three years of lending experience in a financial services environment. Knowledge of mortgage terms, title insurance and required mortgage processing procedures required.

Software Skills Proficient knowledge of MS Office programs including Outlook, Word, Excel and Teams.

Other Skills Bilingual abilities, including the ability to read, write, and speak Spanish fluently, may be required depending on the needs of the individual role and will be noted in the specific job posting.

Physical Demands Must be able to regularly talk, hear and operate a computer, keyboard and mouse and occasionally lift, pull/push and carry up to 10 pounds with accommodations.

Work Conditions Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting. Exposure to high-stress, fast-paced, deadline-oriented environment.

Travel Demands Reliable transportation is required due to frequent travel to branches and other locations. Must possess ability to travel short and long distances to meet member and credit union expectations and build business relationships. This role involves frequent travel to worksites in Eastern Washington and Northern Idaho regions. Significant portion of time is spent in the field, interacting with members, and conducting visits.

Other Perform additional duties as assigned for the efficient operation of the department and the organization. This includes the possibility of being assigned temporarily to other locations.

Additional Information

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