CRA Mortgage Loan Officer

The Opportunity
As a Mortgage Closer you'll play a key role in the homebuying journey of helping our members achieve the dream of homeownership. You'll manage the entire closing process with precision and care, ensuring all documents are accurate, compliant, and delivered on time. In this role, you'll work closely with key teammates to create a seamless, stress-free experience that reflects our commitment to exceptional service.

Location – Hybrid
You Are
Thorough and Thoughtful

You dig into the details with care and consideration, making sure each closing is complete, correct, and compliant

Deadline-Driven

You thrive under pressure and consistently meet tight timelines without sacrificing quality, knowing that each successful closing is a reflection of your timeliness

Compliance-Savvy

You understand the rules, regulations, and nuances of mortgage lending and use that knowledge to ensure each transaction is smooth, secure, and fully compliant

Collaborative Communicator

You're a connector, working seamlessly with team members, partners, and members to keep everyone informed, aligned, and confident throughout the closing process

We Are
A purpose-driven organization with a proud legacy. Guided by our mission to enrich lives and create a world where financial freedom is a reality, we lead with heart, show up authentically, and seek to uplift our members, communities, and each other. Our culture is our power, it fuels innovation, amplifies impact, and sets us apart as we grow together and reach new heights.

Key Responsibilities

• Loan Closing Execution & Production
• Manages a pipeline of mortgage and home equity loans ready for closing, ensuring all conditions are met in accordance with credit union policy.
• Facilitates mortgage closings by preparing and distributing closing instructions, closing packages, and all required documentation.
• Prioritizes mortgage closings to meet tight deadlines, collaborating closely with the processing team to ensure timely and accurate execution.
• Provides support to the processing team with scheduling home equity closings, and assist with post-closing duties as needed.
• Contributes to the achievement of production goals while delivering a Best-in-Class Member Experience.
• Regulatory & Compliance Adherence
• Ensures compliance with federal, state, and local regulations throughout the closing process.
• Validate accuracy and completeness of HDMA data fields to meet legal and internal policy requirements.
• Confirm that all required disclosures have been delivered to borrowers within required timeframes.
• Remains current on regulatory updates and industry best practices to drive continued compliance and efficiency.
• Stakeholder Communication & Collaboration
• Maintains a high level of service by proactively communicating with all stakeholders – including the borrower, loan officer, processor, underwriter and attorney to facilitate smooth closings.
• Liaise with underwriters, loan processors, and loan officers to resolve any discrepancies or issues before closing.
• Demonstrates a proactive problem-solving mindset by identifying and addressing potential obstacles before or at closing.
• Process & Efficiency Improvements
• Collaborates with team members to refine and improve closing procedures and workflows.
• Embraces a continuous learner mindset, staying updated with industry changes, regulations and innovations to improve operational efficiency.
• Identify opportunities to streamline operations through automation or process enhancements while maintaining internal controls.
• Education & Development
• Provide guidance and support to new or less experienced team members.
• Takes initiative for personal and professional development by seeking out training opportunities to enhance knowledge of lending procedures and best practices.

Qualifications & Experience
This role requires Subject Matter Expertise and the ability to provide mentorship, guidance and training to junior closers and other team members. While this level of expertise will generally be attained with a minimum of 2 to 4 years in a previous mortgage closing role, priority will be placed upon the demonstration of the ability to meet qualifications without an absolute focus on duration of experience, in recognition that the attainment of such qualifications may be obtained at different paces by different individuals.

Opportunities for Growth
At AEFCU, your growth matters. We invest in your development with opportunities like individual development plans, educational reimbursement, job shadowing across departments, and hands-on leadership practice through specialized trainings. Whether you're building new skills or exploring new paths, you'll be supported every step of the way, because when you grow, we all rise together.

AEFCU is an Equal Opportunity Employer Veterans/Disabled