Mortgage Loan Officer

About the role

At Truliant Federal Credit Union, helping members feel confident about homeownership is part of how we improve lives. As a Mortgage Loan Officer, you will guide members through one of the most important financial decisions they may make, while connecting them with mortgage solutions that fit their goals. This is a great opportunity for someone who enjoys building relationships, developing referral networks and creating a thoughtful lending experience from first conversation through closing.

Responsibilities

• Proactively grow residential mortgage business while serving as a trusted resource for members, referral partners and internal teams.
• Build and maintain referral relationships with real estate professionals, builders, community contacts and other centers of influence.
• Meet with prospective borrowers to understand their financial goals, explain mortgage options and gather the information needed for complete loan applications.
• Partner closely with processors, underwriters and mortgage team members to support a smooth experience from origination to closing.
• Stay current on lending programs and regulatory requirements.
• Participate in community efforts that promote homeownership.
• Provide timely updates to members and business partners.

Requirements

• 1+ years of residential mortgage lending experience with a focus on generating self-sourced business.
• Demonstrated success prospecting, generating leads, closing business and consistently meeting or exceeding production goals.
• Established referral network that may include real estate professionals, builders and other centers of influence.
• Working knowledge of first and second mortgage real estate lending, including loan origination, processing, underwriting, closing procedures and related compliance requirements.
• Ability to analyze complex financial and credit information and present appropriate financing alternatives.
• Strong member communication skills, including the ability to explain loan products, pricing, guidelines and next steps clearly in English, both verbally and in writing.
• Solid time management and organization skills with the ability to prioritize multiple loans, referrals and follow-up activities at the same time.
• Comfort using Microsoft applications, database tools and laptop-based technology to access rate, credit and loan status information.
• Professional interpersonal skills and the ability to collaborate effectively with members, referral partners and internal mortgage teams.
• Ability to meet bonding requirements and complete assignments with minimal supervision in a general office environment.

Qualifications

• NMLS-developed S.A.F.E. Mortgage Loan Originator Test with a score of 75% or better within one year, or equivalent proficiency based on industry experience.
• Bachelor’s degree in Business, Finance or a related field (preferred).
• Related experience in loan processing, financial services or a credit union environment (preferred).
• A strong community presence and experience participating in business development, networking or homeownership-focused events (preferred).
• A track record of creating long-term referral relationships that lead to repeat mortgage opportunities (preferred).

Benefits

• No-cost employee medical, dental, and vision coverage.
• Prescription benefits (including mail order).
• Paid holidays and Paid Time Off (PTO).
• 401(k) plan with contribution matching.
• Paid community involvement volunteer hours.
• Paid group life insurance.
• Teammate loan discounts.
• Tuition reimbursement.
• Short and long-term disability.
• Health & Wellness program.
• Teledoc (physician video conferencing).
• Onsite fitness facilities or health club reimbursement.
• Employee Assistance Program (EAP).
• Medical flexible spending account.
• Dependent care flexible spending account.