Home Loan Officer

Primary Objective

Educate, advise and guide potential borrowers about the home loan journey, including analysis of credit, collection and review of income documentation, and solution fit with their financial needs. Identify, develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new home loan opportunities.

Responsibilities

• Provide a consultative sales approach to uncover members’ financial needs and goals by proactively identifying needs and matching them with home loan solutions.
• Develop and maintain successful business referral sources, including existing and prospective Rally CU members, Rally CU branch peers, Realtors, builders, and business partners.
• Maintain excellence in delivering customer service and exceeding credit union and department service standards.
• Collect required supporting loan documentation.
• Analyze credit and financial data.
• Prepare and present proposed loan structures to mortgage loan underwriters.
• Assist processors, mortgage loan underwriters, and loan administration to ensure all loan conditions are satisfied.
• Keep members informed throughout the loan process and assist with closing procedures.
• Ensure protection of the credit union’s interest by adhering to documentation standards, policies, and applicable laws and regulations.
• Promote a teamwork attitude to achieve credit union goals and objectives.
• Attend all required lending trainings and meetings.
• Assist staff with mortgage servicing and collection efforts as needed.
• Offer and cross‑sell all credit union services and products.
• Perform all other duties assigned.

Relationships and Contacts

• Supervise Employees: No
• Reports to: Home Loan Sales Assistant Manager – Division
• Frequent contact with members, staff, and other departments by face‑to‑face, telephone, and email.

Qualifications

• Education: High School Diploma or GED.
• Experience: Five (5) years’ experience assessing customer financial needs in a high‑volume, sales‑oriented, goal‑driven environment; one (1) year of mortgage/real‑estate or commercial processing or lending required; bilingual ability preferred.

Physical Requirements

• Ability to work in a fast‑paced, fluid environment and meet minimum production standards.
• Must be able to sit for long periods.
• Job involves wrist/hand/finger manipulation and movement; restriction to workspace for prolonged periods.
• Close vision required for frequent computer monitor use and document review.
• Valid driver’s license and ability to drive for business‑related purposes.
• Ability to communicate verbally with staff and members.

Mental Requirements

• Perform job functions independently or with limited supervision; work effectively alone or as part of a team.
• Strong ability to read and follow written and oral instructions.
• Clear verbal communication and logical information delivery.
• Capable of dealing calmly and professionally with diverse personalities and cultures.
• Maintain highest levels of member service and discretion.
• Composure under deadline pressure, extreme accuracy, quality, and fast pace.
• Effective handling of multiple, simultaneous, and changing priorities.
• Exercise highest level of discretion on confidential matters.
• Proven decision‑making based on precedence, business knowledge, and judgment.

Equipment Skills

• Strong computer skills; proficient in Microsoft Word, Excel, and Outlook.

Additional Requirements

• Subject to initial and subsequent reviews and assessments of registry requirements through NMLS (Nationwide Mortgage Licensing System), as well as criminal background, credit report, and NMLSR (Registry) checks.
• Must be available to travel to other branches, work outside of business hours, and on Saturdays when requested by management.