Senior Loan Officer – Home Loan Center-Spokane

About the role

This position is eligible to earn commission and deferred incentive compensation. In addition to commission, this position is compensated at an annual draw of $42,000, subject to terms and conditions of the commission agreement.

Responsibilities

• Proactively solicit new residential mortgage loans that meet established loan quality and production goals.
• Identify, develop and maintain a network of outside business relationships that serve as a recurring source of referrals for new mortgage lending opportunities, via Realtors, Builders, Financial planners in the local community.
• Ensure exceptional member service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with Credit Union, federal and state regulations, laws, and polices.
• Actively work with branch locations of Numerica to generate and manage residential mortgage loan opportunities assigned through internal referral channels.
• Pre-qualify applicants to determine the proper loan program, keep the applicant, vendors and other interested parties informed on the status of the application and process the loan request as needed without assistance.
• Responsible for loan origination and file structuring. Obtain and validate all documents. Review Automated Underwriting system conditions ensuring that the loan meets eligibility, underwriting guidelines, and assist in satisfying conditions for closing when needed.

Requirements

• Five or more years of experience in mortgage sales, and/or training in a financial institution, mortgage company etc., or equivalent combination of education and experience.
• The employee is to be eligible to be registered as a loan originator with the appropriate state or federal agency. Active NMLS License required.

Qualifications

• Ability to read and interpret documents such as credit bureau reports, dept to income ratio reports, appraisals, tax returns and policy and procedure manuals.
• Ability to read and write routine reports and correspondence.
• Ability to speak effectively with borrowers, Realtors and other employees of the credit union.
• A significant level of leadership trust and diplomacy is required, in addition to normal courtesy and tact.
• Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature.
• Work will involve motivating or influencing others.
• Outside contacts become important and fostering sound relationships with other entities, companies and/or individuals, become necessary.
• Ability to perform under pressure in a team environment.
• Ability to work independently with very limited supervision, and as a team member.
• Discretion in decision making and sound judgment in problem solving.
• Solid time management skills with ability to organize, prioritize, and perform multiple tasks simultaneously.
• Ability to adapt to change within working responsibilities, be it internal, market or regulatory driven.
• Ability to lift up to 25lbs.

Skills

• Ability to read and interpret documents such as credit bureau reports, dept to income ratio reports, appraisals, tax returns and policy and procedure manuals.
• Ability to read and write routine reports and correspondence.
• Ability to speak effectively with borrowers, Realtors and other employees of the credit union.
• A significant level of leadership trust and diplomacy is required, in addition to normal courtesy and tact.
• Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature.
• Work will involve motivating or influencing others.
• Outside contacts become important and fostering sound relationships with other entities, companies and/or individuals, become necessary.
• Ability to perform under pressure in a team environment.
• Ability to work independently with very limited supervision, and as a team member.
• Discretion in decision making and sound judgment in problem solving.
• Solid time management skills with ability to organize, prioritize, and perform multiple tasks simultaneously.
• Ability to adapt to change within working responsibilities, be it internal, market or regulatory driven.
• Ability to lift up to 25lbs.

Benefits

Numerica Credit Union provides a comprehensive benefits package that includes:

• Health insurance
• Dental insurance
• Vision insurance
• Paid time off
• Retirement savings plan
• Employee Assistance Program
• Flexible Spending Accounts
• Life Insurance
• Short-term Disability
• Long-term Disability
• Accidental Death and Dismemberment
• Group Term Life Insurance
• Voluntary Benefits
• Employee Discounts
• Professional Development Opportunities
• Community Engagement Programs
• Wellness Programs
• Employee Resource Groups
• Flexible Work Arrangements
• Generous Paid Time Off
• Comprehensive Health and Wellness Benefits
• Retirement Savings Plan
• Employee Assistance Program
• Flexible Spending Accounts
• Life Insurance
• Short-term Disability
• Long-term Disability
• Accidental Death and Dismemberment
• Group Term Life Insurance
• Voluntary Benefits
• Employee Discounts
• Professional Development Opportunities
• Community Engagement Programs
• Wellness Programs
• Employee Resource Groups
• Flexible Work Arrangements
• Generous Paid Time Off
• Comprehensive Health and Wellness Benefits

Pay

The pay for this position is commensurate with experience.

Schedule

The schedule for this position is typically full-time, with some flexibility based on business needs.