Mortgage Loan Officer

About the role

General Purpose: Responsible for originating both internal and external mortgage loans by supporting local branches, working leads from various internal sources, developing outside referral relationships, and driving external production.

Responsibilities

• Work leads from multiple sources, including referrals, online inquiries, and branch-generated leads.
• Proactively source and develop new business opportunities through networking, referrals, and marketing strategies.
• Maintain a strong understanding of local real estate market trends and industry regulations.
• Build and maintain strong relationships with clients, real estate agents, and other industry professionals.
• Achieve and exceed sales targets and performance metrics.
• Perform notary public duties as required.
• Reject loan applications not in conformance with Black Hills FCU policies.
• Prepare necessary notification and forms.
• Refer rejected loans to Mortgage Department Manager as needed.
• Identify, analyze, and recommend solutions to problems and opportunities within existing products and services.

Requirements

• Strong knowledge of mortgage products, services, and industry regulations.
• Knowledge of laws and regulations affecting Credit Union operations.
• Knowledge of organization's policies/procedures and Credit Union's service philosophy.
• Knowledge and delivery of the ENGAGE model.
• The ability to execute time management and self-discipline skills.
• The ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear and understandable format to others.
• The ability to express oneself, clearly and concisely, both orally and in writing.
• The ability to prepare and maintain confidential records and reports.
• The ability to gather, assemble, correlate, and analyze facts and develop solutions.
• The ability to analyze statistics and financial data.
• The ability to assess the needs of multiple members and prioritize requests to ensure that all members receive the highest quality service possible.
• The ability to handle daily routine with moderate freedom to interpret and act upon various situations.
• The ability to present a professional and personable personality that communicates to members and visitors that the credit union is a professional financial institution.

Qualifications (Skills)

• Strong knowledge of mortgage products, services, and industry regulations.
• Knowledge of laws and regulations affecting Credit Union operations.
• Knowledge of organization's policies/procedures and Credit Union's service philosophy.
• Knowledge and delivery of the ENGAGE model.
• The ability to execute time management and self-discipline skills.
• The ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear and understandable format to others.
• The ability to express oneself, clearly and concisely, both orally and in writing.
• The ability to prepare and maintain confidential records and reports.
• The ability to gather, assemble, correlate, and analyze facts and develop solutions.
• The ability to analyze statistics and financial data.
• The ability to assess the needs of multiple members and prioritize requests to ensure that all members receive the highest quality service possible.
• The ability to handle daily routine with moderate freedom to interpret and act upon various situations.
• The ability to present a professional and personable personality that communicates to members and visitors that the credit union is a professional financial institution.

Qualifications (Education/Experience)

• A four-year college level of language, math and reasoning skills.
• Three years’ consecutive experience as Personal Mortgage Associate or minimum of five years’ direct experience and skill in the areas of real estate lending or a related field.
• Formal training should be supplemented with continuing education.

Job Knowledge

• Strong knowledge of mortgage products, services, and industry regulations.
• Knowledge of laws and regulations affecting Credit Union operations.
• Knowledge of organization's policies/procedures and Credit Union's service philosophy.
• Knowledge and delivery of the ENGAGE model.