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: www.oneazcu.com/about/careers
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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