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Mortgage Loan Officer

3 months ago

Houston, United States The Ladders Full time
Job Summary

Join our dynamic team as a Mortgage Loan Officer (MLO) and play a pivotal role in fulfilling our purpose of empowering our Members to achieve financial success and brighter futures. In this exciting opportunity, you will be instrumental in assisting members looking to purchase or refinance their homes, significantly impacting their life journey. Your core responsibility as an MLO involves understanding each member's unique financial needs and guiding them through our extensive suite of mortgage products to find the perfect fit. You'll work collaboratively with our dedicated local teams, including in-house processing and underwriting experts, ensuring a seamless and efficient loan process. This role is perfectly suited for individuals who are passionate about providing exceptional financial solutions within a supportive, team-oriented environment. Embark on a rewarding career with us, where your efforts directly contribute to helping Members realize their home ownership dreams and secure brighter futures. Our MLOs retain loans because:

  • We offer the full spectrum of standard products and offer specialized portfolio loans (Construction, Land, Doctor and Professor, Community Hero, and Jumbo loans', In-house 2nd liens, and Arm programs)
  • We offer internal leads to help support production goals in conjunction with your current referral partner relationships
  • We service our loans
  • We will partner you with a Business Development Specialist who will support your area
About UFCU

As Austin's largest locally-owned financial institution, University Federal Credit Union is a financial institution owned by, dedicated to, and always working for our Members. Our mission at UFCU is simple: To advance opportunities for quality education, employment, and housing. We're proud to focus on people - not profits. We deliver fair and honest products and outstanding service, and we work collaboratively within our organization as well as our community to help Members and borrowers achieve their personal and financial goals.

Consistently receiving awards as the Top Credit Union, Top Mortgage Company, Best Places for Working Parents, and Healthiest Employer, UFCU is proud of its people-first culture. We value our employees as much as our Members.We have closed over $1 billion dollars in loans for the second year in a row and have helped over 4,600 Members this year achieve the dream of home ownership or financial security. Though we are proud of our standing as the Top Credit Union, Top Mortgage Company, Healthiest Workplace, and Best Places for Working Parents, we proud of our people-first culture. We value our employees as much as our Members. We offer an environment where people care about each other - like family. If you want to love what you do, make an impact in your community, and have the power to help people change their lives - then we're glad you're here.

Essential Functions

Service Analysis:
  • Advise members by identifying the correct mortgage product for their housing needs and financial future
  • Review and analyze credit and Desktop Underwriting (DU) findings
  • Exhibit sales and financial analysis competency in the origination process, creating solutions and mortgage management plans for the member
  • Actively seek opportunities to increase loan volume
  • Exhibit strong consultative sales skills, analytic ability, knowledge of the mortgage bond market, and ability to perform and explain mathematical comparisons of the mortgage options available to the member
  • Comply with RESPA, HMDA, and other laws and regulations
  • Maintain knowledge of current mortgage guidelines
System and Member Documentation:
  • Utilize CRM to consistently track and communicate all phases of the loan process from start to closing
  • Serve as a liaison between involved parties in the mortgage transactions such as REALTORS, title company personnel and others
  • Attend the closing when possible
  • Make post-closing follow-up calls to ensure member satisfaction and request referrals
  • Provide timely and accurate loan information to members
  • Display a commitment to providing up-to-date and accurate information by attending a minimum of two professional seminars annually and pursuing on-going learning.
Business Development:
  • Serve as UFCU outside sales representative by actively identifying, soliciting, developing relationships with REALTORS, builders and other referral partners to increase mortgage lending business in the community
  • Make calls and presentations to referral partners
  • Create outside referral sources to generate 100% of monthly volume goals
  • Develop and implement sales strategies designed to meet credit union and mortgage lending goals in the community.
  • Participate in industry professional associations to stay informed and educated on the mortgage industry
Other:
  • Perform other duties as assigned
  • Adhere to all company policies, procedures and business ethics codes
  • Maintain strict adherence and compliance to all laws, rules, regulations, policies, procedures and internal controls specific to the MLO role
Knowledge/Skills/Abilities
  • Displays strong interpersonal skills through fostering teamwork and demonstrating patience and respect when dealing with difficult situations
  • Fully competent in Microsoft Office, Encompass, and other related software programs. Demonstrates the ability to use loan origination software to efficiently perform job functions.
  • Knowledgeable in all aspects of the Federal and State Regulations dealing with Mortgage and Home Equity lending, required. These include but are not limited to: HMDA, RESPA, Fair Housing, ECOA, TIL, and Section 50, Article XVI of the Texas Constitution.
  • Ability to present ideas and thoughts in a clear, concise manner. Ability to make oral presentations with persuasiveness and confidence. Ability to use clear and simple language to get the message across to members and co-workers.
  • Able to quickly build rapport and establish credibility with members and co-workers.
  • Ability to manage multiple projects, under tight deadlines while maintaining the accuracy and integrity of loan documentation.
Experience

Minimum Requirements
  • High school diploma or equivalent required
  • Minimum of two (2) years of inside/outside sales experience required
  • Minimum of two (2) years of mortgage loan origination experience required
  • Must be bondable.
Preferred Requirements
  • Bachelor's Degree preferred
  • Bilingual in Spanish is preferred
Things You Need to Know Before You Apply

Physical Demands

The physical demands described are representative of those that must be met by an employee, with or without accommodation, in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Frequent
  • While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
  • Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.
  • Employee will make extensive use of the telephone requiring the ability to effectively and accurately explain complex information.
Work Environment

The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • This position requires working frequently at UFCU Plaza in Austin, Texas.
  • This position may involve periodic stressful conditions.
  • May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
  • Frequent computer use at a workstation up to two hours at a time.
  • The noise level in the work environment is usually loud.


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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)