Job Description

Job Description

Job Description

Mortgage Loan Officer
Full Time (40 Hours)
Monday - Saturday (Varies)

Headquarters
630 Trade Center DR
Las Vegas NV 89119

PURPOSE:

The primary purpose of this position is to assist Silver State Schools Credit Union to live out
its Mission, "Excellent Member Service and Financial Solutions - For Life," by providing
outstanding service to both members and internal members.

• To deliver service in alignment with our Service Commitments:
  • I will earn respect and build trust by acting with integrity in every situation.
  • I will understand my role in supporting the team to achieve our purpose.
  • I will focus on people over products and build lasting relationships.
  • I will take ownership and accept responsibility.
  • I will treat my coworkers with the same high standards as I treat my members.
  • I will continuously look for ways to improve myself, my credit union, and my community.
  • I will accept there is no "they". We are one working toward the same mission.
  • I will commit to the core values.
• Meet all established service goals.

SUMMARY:

Promote the mortgage lending programs to members, credit union employees, Realtor professionals, as well as prospective new members. Solicit loan applications with the purpose of originating and closing profitable, quality first mortgage loans. Council members regarding their mortgage financing goals. Within authorized authority, and in accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and recommends approval of borrower's applications for first mortgage loan applications.

The incumbent accomplishes the essential duties as follows:

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• In person or phone interview applicant, answers questions, and counsel's member regarding member's mortgage needs.
• Completes Uniform Residential Loan Application and requests specified information for loan application. Information may be recorded in
  writing, or by computer where automated loan processing technology is available.
• Proactively engage in business development activities, including traveling to other branches, participating in local realtor events, and attending various networking events to effectively promote and showcase products and services.
• Using various software programs for originating, processing, and closing mortgage loans, analyzes applicant financial status, credit history, and property evaluation to determine feasibility of granting a loan.
• Analyzes potential lending opportunities involved in each lending situation to further assist the applicant as well as increase the credit
  union's lending portfolio.
• Encourages members on the benefits of utilizing other credit union services.
• Corresponds with or interviews applicants to resolve questions regarding application information.
• Assists members on a continuous basis by providing current information about loan programs, interest rates, fees, and qualifying
  guidelines.
• Ensures loan agreements are complete and accurate according to policy and requirements established by regulatory agencies or investor.
• Confers with department personnel to aid in resolving mortgage application problems and to obtain loan approval in the most expeditious manner possible.
• Performs ancillary duties related to real estate and other lending.
• Collects from appropriate parties on behalf of the credit union all costs needed for appraisals, credit reports, underwriting fees, or other origination expenses.
• Studies pricing trends, real estate and mortgage activity networks, reads current industry publications and participates in realtor or industry-related meetings and events to stay abreast of local competition and general marketing trends.
• Conduct weekly reporting duties to provide comprehensive updates on their loan pipeline status, ensuring timely and accurate communication of key information to relevant stakeholders.
• Maintains a good relationship with branches to obtain and promote referrals.

EDUCATION and/or EXPERIENCE:

An associate or bachelor's degree is preferred with a minimum of three years related experience and/or training in real estate lending; or equivalent combination of education and experience in a related field.

This individual must have or obtain knowledge of FHA, VA, Conventional, or any special program as needed and required.

CERTIFICATES, LICENSES, REGISTRATIONS :

Must have or obtain any license, certificates or registration as required by state or federal agencies that are presently required or may be required in the future.
Valid automobile Driver License and state required automobile insurance.

*ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED*
**SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED**
SILVER STATE SCHOOLS CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER (EOE)
DRUG-FREE WORKPLACE

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