Mortgage Loan Officer (External), Colorado Springs, CO

The primary purpose of this position is to work with Ent's members and potential members to assist them in identifying and securing a mortgage loan that is appropriate for achieving their financial goals, including home ownership. Mortgage loan officers respond to and follow up on member inquiries that come from multiple sources. The loan officer will collect and analyze the member's financial information and assess the member's financing circumstances to determine which mortgage product might best fit their needs. This includes reviewing competing offers from other mortgage lenders and understanding the positive and negative features of many loan products.

Essential Functions

• External Realtor/Business development contacts, events, shows, seminars, education, committees.
• Take applications and review initial findings & decision.
• Analyze asset, income and DU required data independently.
• Collect data and appraisal fees.
• Continuing education.
• Refer to other Ent departments (EIS/CRE/Etc).
• Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Minimum Formal Qualifications for this Position

• High School Diploma/G.E.D. or equivalent.
• 1+ years' of mortgage industry origination or sales experience.
• 5+ years' of mortgage experience with 2+ years in mortgage sales origination. Preferred

Each year of relevant work experience may be exchanged for a year in a relevant degree program or vice versa. For example, a requirement of a bachelor's degree in accounting and 2+ years of account experience could be substituted for a high school diploma and 6 years of relevant accounting work experience or a master's degree in accounting and 0 years of work experience.

Technical or Specialized Knowledge/Skills:

• Detailed understanding of FNMA, CHFA, FHA, and VA products and underwriting requirements.
• Understanding of Non-profit down payment programs available to members.
• Desktop Underwriter (DU) knowledge.
• Strong technical experience to include; PC's, excel, database software and web knowledge.
• Strong external sales and networking skills.
• Excellent communication skills.

Certifications Required:

• NMLS Registration in good standing. required
• Driver's license with acceptable driving record. required

Environmental, Physical and Psychological Requirements

• Standing- Occasionally
• Walking- Occasionally
• Sitting- Frequently
• Lifting- Rarely (40 Lbs)
• Carrying- Rarely
• Pushing- Rarely
• Pulling- Rarely
• Balancing- Rarely
• Stooping- Rarely
• Kneeling- Rarely
• Crouching- Rarely
• Crawling- Rarely
• Reaching- Occasionally
• Handling- Occasionally
• Grasping- Occasionally
• Feeling- Occasionally
• Talking- Frequently
• Hearing- Frequently
• Repetitive Motions- Frequently
• Eye/Hand/Foot Coordination- Occasionally
• Noises louder than normal speaking volume- Occasionally
• Temperature Changes- Rarely
• Atmospheric Conditions- Rarely