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Mortgage Loan Officer- Phoenix or Gilbert

Company: OneAZ Credit Union
Location: Gilbert
Posted on: August 5, 2022

Job Description:

Job Description*** Please be advised that this is NOT a remote position. The person who fills this role will work in-office. ***

*** This candidate will achieve production from internal and external resources. ***

Our associates enjoy a one-of-a-kind culture with a rich benefits package that includes:

  • Generous paid time off: 11 paid holidays, 6 personal days, 10 vacation days, plus sick time
  • Low-cost Medical, Dental & Vision plans – as low as $5 per pay period
  • Paid childcare assistance (up to $96 per pay period)
  • Award-winning 401(k) 5% discretionary match - fully vested from day 1
  • 100% Gym fee reimbursement up to $75/month
  • 100% Tuition Reimbursement Up to $5,250
  • $1200/yr student loan repaymentOur ideal candidate:
    • Drives new members to the organization by developing referral relationships with community real estate professionals resulting in acquisition of new mortgage loans
    • Fulfills existing member mortgage needs through proactive conversations to deepen relationships and uncover member goals and objectives
    • Delivers a quality, member-centered, experience resulting in an understanding of member's full financial needs and objectives, referring member to internal business partners for fulfillment as identified
    • Develops long-term relationships with outside community professionals, internal business partners, and members resulting in referral business
    • Achieves 20% production from outside resources and 80% production from internal resources
    • Acts as ambassadors within their communities on behalf of OneAZ Credit Union
    • Assists members with their mortgage needs by taking inbound calls, emails, or referrals, and conducting outbound calls
    • Conducts thorough and professional phone interviews, exceeding member expectations and delivering a high-quality experience
    • Interviews applicants for real estate loans and originating applications consistent with credit union policies and all applicable Real Estate-specific NCUA, federal, wholesale and secondary market real estate lending rules and regulations
    • Gathers background information and analyzes loan applicants' credit history
    • Acts as the liaison between multiple Real Estate Lending teams, branches and branch associates. members, and credit union departmentsA typical day might include the following:
      • Effectively respond to inbound mortgage channels to originate mortgage loans
      • Follow up in a timely manner, working within a fast-paced environment
      • Proactively contacting external business partners and potential members by conducting outbound calls to generate new business
      • Deliver a quality, professional, and thorough experience through telephone and email channels
      • Interview applicants and request specified information for loan application
        • Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation
        • Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation
        • Correspond with or interview applicant or creditors to resolve questions regarding application information
        • Compile loan package and facilitate negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms
        • Accurately use multiple computer programs in completing work, including Mortgage Cadence, MS Word, MS Excel, MS Windows, HMDA Reporting, and other computer programs as required
        • Adhere to all internal policies and federal regulations regarding origination of mortgage loan and applicable deadlines
        • Identify and analyze potential loan markets to develop prospects for residential real estate loans
        • Advise loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations
        • Promote and cross-sell other establishment products and services as appropriate to member requirements
        • Actively participate in scheduled call nights, call blocks, to conduct outbound calls to centers of influence, new members, and potential members
        • Complete regular educational and compliance courses to stay abreast of internal and industry changes
        • Develop an understanding of Credit Union philosophy, organization, bylaws, and operational procedures and comply with the requirements of the Bank Secrecy Act, AML, OFAC and all other applicable State and Federal Financial Institution Regulations
        • Other duties as assignedEducation and/or Experience we're looking for:
          • Bachelor's Degree preferred
          • Minimum two years residential lending experience
          • Thorough knowledge in loan origination and closing requirements for conventional, construction, and non-conforming portfolio loan programsWhy join the OneAZ team? Our culture is one-of-a-kind! You'll be joining a team of friendly, hardworking, helpful associates with the same mission guiding all that we do: We exist to improve the lives of our members, our associates and the communities we serve. We are proud to be an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We offer robust benefits including low-cost medical, dental and vision plans, gym reimbursement, paid parental leave, generous personal days and vacation time, and an award-winning 401(k) program among many others. Take a look at our career page for detailed benefit information: Additional Notes: Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.Position grades could fluctuate based on market value.

Keywords: OneAZ Credit Union, Gilbert , Mortgage Loan Officer- Phoenix or Gilbert, Other , Gilbert, Arizona

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