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Mortgage Loan Officer - Home Equity

Mortgage Loan Officer - Home Equity

companyRBFCU
locationSan Antonio, TX, USA
PublishedPublished: 10/23/2024
Banking / Insurance
Full Time

Job Description and Requirements

The Mortgage Loan Officer will evaluate, authorize, and recommend applicable credit decisions based on a detailed analysis of a member’s financial profile for the purposes of conventional lending programs.  In addition, they will conduct a thorough needs analysis which will assist in guiding members into the most suitable loan program.  The Mortgage loan officer will counsel the member, and collaborate with various internal/external partners, throughout the entirety of the mortgage process.

Essential Functions and Responsibilities:

  • Obtain, analyze and complete mortgage loan applications via web, phone or face-to-face.
  • Provide detailed mortgage product/process details to RBFCU members.
  • Obtain and analyze required member documents related to the mortgage loan request.
  • Accurately complete disclosures in accordance with all RBFCU guidelines and industry compliance standards.
  • Serve as a member advocate while maintaining the integrity of all RBFCU's policies and procedures.
  • Effectively communicate with all parties involved with any given mortgage transaction – including membership, real estate agents, builders and other third party partners.
  • Perform in a high volume and fast paced environment.
  • Interview members to determine financial eligibility for loans.
  • Effectively manage a pipeline of loans while maintaining RBFCU service level requirements.
  • All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).

Requirements:

  • High School Diploma or GED
  • Minimum of 12 months experience in mortgage industry or Bachelor's degree
  • Strong written and verbal communication skills
  • Strong proficiency with Excel, Outlook, Word, Power Point and DocuSign
  • Must be eligible to register with the Nationwide Mortgage Licensing System and Registry
  • Ability to work Saturday shifts as necessary

Preferred:

  • Bi-Lingual in English/Spanish
  • Experience with Encompass
  • Bachelor’s Degree

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.