Mortgage Loan Officer

Description

Position Summary

Here at the credit union, we are not-for-profit and member-owned. This means your focus is on helping people achieve homeownership-not just hitting sales quotas. You'll build genuine relationships and make a real impact in your community.

The Mortgage Loan Officer is responsible for originating residential mortgage loans by developing and maintaining relationships with clients, real estate professionals, and referral partners. This role requires knowledge of mortgage products, underwriting guidelines, and compliance regulations to ensure a smooth and efficient loan process.

Key Responsibilities

Loan Origination:

• Identify and develop new business opportunities through networking, referrals, marketing efforts and working with our current membership.
• Assist clients in selecting appropriate mortgage products based on their financial needs and goals.

Client Relationship Management:

• Guide borrowers through the entire loan process, from application to closing.
• Provide clear communication and exceptional customer service to ensure client satisfaction.

Compliance & Documentation:

• Collect and review financial documents to verify borrower eligibility.
• Ensure all loan files meet regulatory and company compliance standards.

Collaboration:

• Work closely with underwriters, processors, and closing agents to facilitate timely loan approvals.
• Maintain strong relationships with real estate agents, builders, and other referral sources.

Qualifications

Education:

• High school diploma required; bachelor's degree preferred.

Experience:

• Minimum of one year of mortgage lending or related financial services experience.
• Proven track record of meeting or exceeding goals.

Skills:

• Strong knowledge of mortgage products, lending regulations, and underwriting guidelines.
• Excellent communication, negotiation, and customer service skills.
• Proficiency with loan origination systems and Microsoft Office Suite.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Required to operate computer programs and office equipment.
• Must adhere to Bank Dress Guidelines and always portray a professional image.
• May be required to work extended hours as needed.
• Regular, timely attendance during assigned work hours.
• Ability to sit or stand for extended periods of time.
• Dexterity of hands and fingers to use office equipment.
• Occasional lifting and transporting up to 25 lbs.
• Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

The TelComm Promise

TelComm Credit Union is a people-minded financial institution who truly understands that no matter how big we get we are still people helping people. We know the people who work for us are by far our biggest asset and vital to our continued success. We want to help you help others. At TelComm we Communicate Respectfully, Foster Unity, Serve Compassionately, Act with Integrity, Radiate Positivity, and Cultivate Growth and Learning. Those are the core values most important to us. Keeping promises is also important to us and, as a company, we make a promise to all associates....

To empower you. Your education, experience, and life knowledge will all be drawn from in your day-to-day activities, and regardless of how much or how little you believe you have - we want to build on it. Once hired into a position, we will train you to know how to do what we do. We promote goal setting and career development as a shared responsibility and will provide the knowledge and resources needed on your path to success. We have classes explaining the basics to the not so basics. And will do one on one training when needed. You will have hands on help until there is confidence on both sides. We believe in cross training into different departments. Nothing is beyond your reach here. All of our executives were once front line or entry level workers who were promoted so we know talent can and will be found at every level.

To do the right thing for you. Our CEO evaluates our pay structure annually to ensure we stay competitive, our bountiful benefits include paid medical after 30 days, PTO, 11 paid holidays per year, a 401k retirement with matching funds*, profit sharing, tuition reimbursement, business casual dress code, and jean days. We respect your life outside of work and want you to have a positive life work balance. Schedules are given in advance and meetings are scheduled with ample time to prepare. We have activities we do as a group - a holiday party in the winter, a collaborative meeting in the summer, and a family friendly outing in the fall.

To strive for open communication. Our interviews are designed to not only determine if you can do the job, but for you to come in to see if we will fit well together. Interview us as much as we interview you. Each of our managers has their own management style or leadership philosophy and can describe it- including how they give feedback, what the performance review process is like, and the challenges you may face in the position. Ask them about it. Ask them about anything. Feel free to talk to other associates and ask them questions as well. We strive for open communication across all departments and levels. We want you to feel comfortable and confident in your position. Our meetings are designed to give all associates access to the information necessary to thrive.

Disclaimer

The above information in this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.

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