Mortgage Retail Loan Officer

Job Description and Requirements

The Mortgage Retail Loan Officer is responsible for the origination of FHA/VA, Conventional, Portfolio and Jumbo mortgage loans in accordance with government, FNMA, RBFCU or investor guidelines. The Loan Officer will conduct a thorough needs analysis, which will assist in guiding borrowers into the most suitable loan program; collaborate with various internal/external partners throughout the entirety of the mortgage process; build and maintain relationships with Kuper Realty and other non-affiliated Realtor and Builder groups; and will serve as the source of contact throughout the origination process.

Essential Functions and Responsibilities:

• Interview, collect, examine and evaluate borrower financial and personal data to counsel and recommend appropriate residential lending products.

• Build and maintain relationships with referral partners.

• Accurately complete required disclosures as required.

• Submit loan through an AUS to determine eligibility.

• Interpret AUS findings and communicate required documentation items needed for closing.

• Review earnest money contract for pertinent information as it relates to the loan transaction.

• Obtain and analyze required member documents related to mortgage loan request.

• Effectively manage the mortgage transaction by communicating with all parties involved including borrowers, real estate agents, builders and/or other third-party partners.

• Serve as a member advocate, while maintaining the integrity of all RBFCU's policies and procedures.

• All other duties as assigned (note: essential functions and responsibilities may change, or new ones may be assigned at any time with or without notice).

Requirements:

• High School Diploma or GED

• Minimum of 12 months experience as a loan officer or processor utilizing Fannie Mae Desktop Underwriter

• Ability to perform in a high volume and fast paced environment while maintaining a pipeline of within institution service level requirements

• Proficiency with Excel, Outlook, Word, Power Point and DocuSign

• Ability to support referral partners during the evening or on weekends

• Ability to attend community outreach and business development events as needed

• Strong written and verbal communication skills

• Must be able to pass the registration requirements for the Nationwide Mortgage Licensing System

• Ability to work Saturday shifts as necessary

Preferred:

• Bachelor's degree

• Bilingual in English and Spanish

• Experience with Encompass LOS and Blend POS

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.