Mortgage Loan Officer

Job Description:

Legal Requirements:

• This position requires that the employee be at least 21-years-old.
• This position requires that the employee present, upon hire, documentation that meets the requirements of the federal I-9 form.
• If any of those documents expire, i.e. driver’s license, then current documents will be required to satisfy the requirement of the I-9, and subsequently maintain employment.

Knowledge/Skills/Abilities/Experience Requirements:

• This position requires that the employee possess and practice exceptional emotionally intelligent verbal and written communication skills.
• This position requires the employee to possess and practice emotionally intelligent Transformational Leadership skills.
• This position requires that the employee possess at least five years of experience within the finance, banking, or credit union industry.
• This position requires that the employee possess at least five years of prior proven mortgage lending experience.
• This position requires that the employee possess at least two years of direct experience with secondary market mortgage lending.
• This position requires that the employee possess the ability to multitask and problem-solve in a fast-paced environment.
• This position requires that the employee possess computer and software knowledge and skills, such as: Microsoft Office, banking/finance programs, HR programs, billing programs, accounting programs, and marketing programs.
• This position requires that the employee possess basic office equipment experience, such as: fax, phone, computer, copier, scanner, printer, hole punch, laminator, calculators, CRTs, and debit-card machine.
• This position requires that the employee possess prior knowledge, skills, and abilities related to: General finance and accounting (fiscal management); direct legal and regulatory compliance; basic accounting processes (AP/AR); HR management; Marketing implementation; IT strategies; and overall policies, procedures, practices, and operations implementation.
• This position requires that the employee possess college-level reading, writing, and arithmetic skills.
• This position requires the employee to hold a valid Wyoming driver’s license, insurable driving record, and the ability to drive for company business.

Education/Certificates/Licenses/Registration Requirements:

• This position prefers the employee to possess an Associate degree from an accredited college/university with emphasis in: business, leadership, finance, accounting, economics, marketing, or other as approved by the Chief Executive Officer.
• A combination of certifications, formal college, and experience may be substituted for a college degree.

Training Requirements:

• This position requires that the employee complete or produce all required training and certifications at the beginning of their employment, and on an on-going basis throughout their employment.
• Each employee is required to attend all new-hire training, certification courses, as well as all on-going scheduled and un-scheduled training and recertification courses.
• If the employee is assigned as a trainer of a specialized class which requires certification, they must complete all requirements to maintain that certification.

Equipment Requirements:

• This position is required to use the following company-owned equipment: computer, phone, fax, printer, scanner, copier, laminator, printer, hole punch, CRTs, calculator, debit-card machine, and appropriate PPE.
• If the employee is required to use any specialty equipment, they will be trained on its safe and appropriate use.

Cognitive/Verbal/Physical Requirements:

• This position is cognitively and verbally intensive; and requires stamina and endurance that can handle extended periods of: sitting, thinking, concentrating, problem-solving, interacting, and communicating with others, talking (on the phone and in-person), typing, writing, reading, computing, and arithmaticing, as well as, occasionally standing, walking, lifting, for the duration of a work assignment (approximately 95-100% of the workday).
• This position requires that the employee read, write, type, speak, and expertly comprehend the English language.
• This position requires shift-flexibility; as shift duration is regularly between eight and ten hours per day and can be extended (depending on the daily workload).

Typical/Potential Environmental Exposures:

• This position may encounter various indoor or outdoor environments.
• Most environments are climate-controlled and indoors; however, the employee will be exposed to slick or dry surfaces and/or hot or cold temperatures for outside errands, activities, and events.
• Environments can also vary in level of stimulation and noise due to fluctuations in customer traffic and activities.

Essential Duties/Functions of the Position:

• Provides mortgage origination services in the State of Wyoming.
• Creates and maintains sales pipeline for the mortgage department of PFCU.
• Manages the member and prospect mortgage loan process from start to finish, including obtaining all necessary application documentation, credit documents, security interest documents, et al.
• Analyzes application information for necessary follow up, supporting documents et al.
• Promotes PFCU mortgage solutions by participating in marketing and promotional activities internal and external to the credit union.
• Cultivates mutually beneficial relationships with builders, investors, realtors, and title agencies.
• This position requires the employee to cultivate a needs-based approach to member service with individual coaching and/or goal setting, to ensure credit union and individual goals are met while expanding member relations.
• This position requires the employee to ensure the branch is compliant with federal laws and regulations set forth by the NCUA and other regulatory agencies.
• This position requires the employee to work with auditors and the Supervisory Committee to ensure compliance with internal controls.
• This position requires the employee to collaborate with senior management to create and support promotions and strategies to meet the credit union’s goals.
• This position requires the employee to participate in credit union business development opportunities and community relations activities.
• This position requires the employee to exercise the highest level of discretion on both internal and external confidential matters.
• This position requires the employee to accurately follow all verbal and written instructions.
• This position requires the employee to interact with colleagues, customers/members, vendors, and other stakeholders professionally, ethically, and in a manner consistent with policy; and with the highest degree of emotionally intelligent interpersonal-communication skills.
• This position requires the employee to speak clearly and deliver information in a logical and understandable sequence.
• This position requires the employee to operate computers and software effectively and efficiently, and with a high degree of precision and attention to detail.
• This position requires the employee to conduct all business operations with the highest degree of ethics and Corporate Social Responsibility (CSR).
• This position requires the employee to exercise great care and responsibility when using company-owned/leased equipment, property, and other non-human resources.
• This position requires the employee to effectively handle multiple simultaneous and changing priorities.
• This position requires the employee to accurately, and legally, complete all documentation as required by company policy and regulatory entities.
• This position requires the employee to perform additional assigned duties in a manner which are generally expected and consistent with other similar positions.

Job Type: Full-time

Pay: $60,000.00 – $200,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Employee assistance program
• Flexible schedule
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Relocation assistance
• Retirement plan
• Vision insurance

Compensation Package:

• Bonus opportunities
• Commission pay

Experience:

• Mortgage servicing: 3 years (Required)
• Sales: 3 years (Required)

Work Location: In person