Home Loan Officer

About Us

STCU is consistently rated one of the top-performing credit unions in the nation and has been named one of Fortune Magazine’s Great Places to Work. We look for employees who have a strong desire to serve others, are lifelong learners, committed to working hard, have a fun-loving attitude, and want to make a difference in our members’ lives. We love people who share our core values: Joyfulness, generosity, belonging, goodness, and striving. We believe in being a force for good in the community while helping members achieve their financial goals and dreams.

Benefits

• Paid time off plus 11 paid holidays
• Medical, dental, vision, and life insurance
• Training and career development
• 401(k) matching contributions
• Tuition reimbursement

An overview of the benefits can be found here.

Responsibilities

• 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. Evaluate loan application materials and make 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.
• Maintain accurate and current knowledge of all residential loan programs, guidelines, and procedures, including 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 and follow through on all commitments.
• Maintain knowledge of and adhere to policies, procedures, and established processes 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.

Requirements

• High School Diploma or equivalent is required; some college is strongly preferred.
• Minimum of three years of mortgage lending experience in a financial services environment, including knowledge of mortgage terms, title insurance, and required mortgage processing procedures.
• National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008 is required.
• Proficient knowledge of MS Office programs including Outlook, Word, Excel, and Teams.

Work Environment

• Must be able to regularly talk, hear, see, and operate a computer keyboard and mouse.
• Occasionally lift, pull/push, and carry up to 10 pounds.
• Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting.
• Exposure to a high-stress, fast-paced, deadline-oriented environment.

Pay

$17.31 per hour plus commission and incentives.