Mortgage Loan Officer

4 weeks ago

Santa Ana, United States O. C. Credit Union Full time
Join Our Team as a Mortgage Loan Officer

Hybrid remote & in office work environment. Working from one of our branches two days per week. Compensation is commission driven.

Workplace Excellence. Through our associates' opinions and voices, Orange County's Credit Union is a proud recipient of the Peter Barron Stark award for highest associate satisfaction in the workplace We're proud to say we're a premier financial service provider with over 85 years of experience serving 123,000+ members, Orange County's Credit Union is currently $2+ billion in assets & growing. Our mantra is: Putting People First: Connect, Discover, Deliver & Wow If your desire is to serve people, this role is rewarding, brings purpose to the community, and provides the opportunity to make a difference

Are you ready to help our members achieve their homeownership dreams? At Orange County's Credit Union (OCCU), we believe in creating an inclusive and supportive environment where everyone can thrive. We're looking for an enthusiastic and dedicated Mortgage Loan Officer to join our team and make a real impact.

Position Summary:

In this role, you will play a pivotal part in achieving our sales goals and service excellence. You'll develop and maintain strong partnerships, bringing in home loan business through activities like home finance seminars and consumer solicitation. You'll also work with real estate agents, contractors, home builders, financial planners, and other referral sources to build our home loan business. Your commitment to providing professional, efficient, and high-quality member service will be key to your success.

Essential Functions:
  • Build Relationships: Actively seek out new relationships and foster existing ones with third-party sources and business partners. Drive and develop new home loan business, increasing participation in our products and services while maintaining and closing loans in the pipeline.
  • Network and Promote: Plan, schedule, and conduct visits with third-party sources, business partners, and the community to promote our products and services. Generate leads and fund home loans by engaging with potential and existing members.
  • Business Development: Speak at industry events, host meetups, seminars, and networking functions to build your book of business and promote OCCU's brand.
  • Educate and Close: Educate members and non-members on our advantages and value propositions. Negotiate and close loans, both from Credit Union-sourced leads and self-sourced opportunities.
  • Loan Application Assistance: Interview loan applicants, assist with the loan application process, conduct debt and loan structure calculations, gather background information, obtain credit reports, and analyze loan applicants' credit qualifications. Match the appropriate loan product to meet members' financial needs.
  • Liaison and Expert: Act as a liaison and subject matter expert between the real estate agent, loan applicant, and the Credit Union to promote a successful and efficient loan closing experience. Support the loan processor and closer in obtaining required documents and stipulations.
  • Credit Evaluation: Obtain and evaluate credit reports, structure loans in accordance with Credit Union guidelines and regulatory requirements.
  • Team Collaboration: Work with the operations team to bring loans to funding, meeting service guidelines. Communicate effectively with Loan Processor, Underwriter, and Closer/Funder, focusing on exceeding member expectations. Collect all required conditions to fund loans.
  • Member Communication: Keep members informed of the loan status throughout the transaction, including funding. Document all conversations electronically regarding loan approvals, conditions, and denial reasons.
QUALIFICATIONS:
  • High school education or equivalent.
  • One to two years relevant experience with background in home finance originations, which would provide a thorough knowledge of modern and effective selling skills.
  • Successfully registered with the NMLS (Nationwide Multistate Licensing System & Registry) as a Mortgage Loan Originator
  • Thorough knowledge of mortgage lending federal and state laws and regulations required.
  • Thorough knowledge of Fannie Mae and/or Freddie guidelines for residential mortgage loan preferred.
  • Thorough knowledge of loan origination and automated underwriting systems preferred.
  • Experience creating and facilitating presentations, and selling skills are required to meet with local real estate agents, businesses, and other their party business referral sources, as well as educate consumers in home finance seminars and local community events.
  • We perform thorough background checks, credit checks, and drug screening. EOE.
  • Compensation is commission driven and has an hourly pay range of $21.00 - $22.00.
Generous benefits include:
  • Effective from day one of employment Anthem Vivity HMO & Delta Care USA Dental - OCCU covers 100% of the associates' monthly premium
  • Life insurance at no cost to associate
  • 401(k) - OCCU automatically contributes 3% of the associate's earnings PLUS matches up to 5% of the associate's contribution (dollar for dollar)
  • Vacation hours - 13 days per year, rolls over year to year, and increases with tenure
  • Sick hours
  • Paid Holidays
  • Annual performance merit increases
  • Professional and personal development programs, including educational grants up to $2k per year, and step progression opportunities
  • Annual discretionary bonus
  • Professional, welcoming, and collaborative work environment focused on achieving goals, recognizing successes, and excelling at member service

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