Mortgage Loan Officer

Deseret First Credit Union Salt Lake City , UT 84101

Posted 2 months ago

Come and work for a company that was voted Best Companies to Work For by 2015 Utah Business Magazine, 2018, 2017, & 2016 Credit Union Journal, and 2017 & 2016 Salt Lake Tribune's 'Top Work Places in Utah!'

We offer a wonderful atmosphere, great benefits, competitive compensation, good hours where you will not work Sundays, 11 paid holidays, fun company activities, and more!

Duties and Responsibilities:

  • Advises borrowers on financial status and discuss financing objectives and goals

  • Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet credit union and governmental standards

  • Evaluates acceptability of loan to corporations that buy real estate loans on secondary mortgage markets

  • Work with Mortgage Department staff to ensure file is submitted to underwriting in a timely manner

  • Stays in contact with and keeps the borrower informed from loan application through funding, requesting additional information as needed

  • Develops and maintains relationships with companies and individuals within the real estate community promoting the credit union

  • Cross-sells other credit union services

  • Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending. Ensure all compliance requirements, including credit union policies and procedures, are met

  • Produce assigned loan volume (dollars and/or numbers)

  • Maintain a professional work environment and business like appearance

  • Assist others within and outside the department as needed

  • In a timely manner, respond to borrower inquiries received through phone, branch, or online applications

  • Performs other duties as assigned

Qualifications:

  • Required: High School dipolma or equivalent and 1-3 years of experience

  • Preferred: Two-year college degree or completion of a specialized course of study at a business or trade school and 2-5 years of experience

  • Active NMLS number is required

Competencies:

  • A significant level of trust and diplomacy is required in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary

  • Excellent communication and Interpersonal skills

  • Ability to sell mortgage loans to members by explaining and communicating loan products and services of the credit union

  • Maintains confidentiality

  • Good time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously

  • Must have the ability to read and interpret documents such as real estate purchase contracts, loan program guidelines, tax returns, income documentation, credit reports and preliminary title reports.

Computer Skills:

  • Basic word processing and computer skills required

  • Knowledge of Calyx Software is helpful

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Mortgage Loan Officer

Deseret First Credit Union