3Rivers Federal Credit Union
Mortgage Loan Officer
3Rivers Federal Credit Union, Fishers, Indiana, us, 46085
Position: Mortgage Loan Officer
Reports To:
Mortgage Sales ManagerPosition Type:
Exempt
Location : Supports Muncie, Pendleton, and Fortville
WHAT SETS US APART?Local ServicingWide variety of Portfolio and Conventional Loan OptionsFull array of lending products that you would be able to refer in house.Opportunity to originate more because of the products that are offered.We have a strong background and expertise in residential construction lending.Competitive DrawPOSITION SUMMARY
The Mortgage Loan Officer establishes trusting relationships with members and business partners by providing consistent high-quality service. Uses persistence and persuasion to overcome objections. Increases member satisfaction by being highly responsive to the needs of members. Incorporates critical thinking when working with membership to ascertain which option is the best fit for the member's Spend, Save and Borrow needs. Provides advice and assistance regarding budget counseling, consolidations, pay methods, and other areas relating to member's financial needs. Well versed with a variety of mortgage products, including Conventional, Government (FHA, VA and USDA) and Equity Products. Up to date on all Portfolio Loan guidelines in order to meet origination unit and volume goals. Evaluates alternatives to ensure the solutions provided and products recommended are in the best interest of the membership. Assesses risk and ensures compliance with all credit union policies and procedures, as well as Federal Laws and Regulations. Ensures all Credit Union member information and transactions are kept confidential. Manages the lending process, evaluates need, sells products, and maintains knowledge of internal and competitor's trends (rates, terms, etc.). Uses technology to its fullest extent and leverages technical support when needed to either enhance performance or solution a problem.
Must be comfortable in an outside sales role and be familiar with calling on referral sources including Realtors, Builders, Investment Advisors and other COIs in the community in order to grow the Credit Union's membership through the origination of Purchase and Construction Mortgage Transactions. Must be able to attend outside events in a networking capacity promoting the 3Rivers brand and establishing new relationships in order to grow and expand your referral sources. Must be willing to work with the branch teams in order to maintain member retention through various types of mortgage transactions. Must be available to work nights and weekends when member needs are present.
ACTIVITY & KNOWLEDGE REQUIREMENTS
Work Environment& Physical Effort
NormalKnowledge Requirements
Ability to gather and properly complete data in accordance to regulatory and organization's requirements.Good understanding of financial institution products and services.Flexible and able to work independently with limited supervisionAbility to adapt quickly to changeProactive selling/networking techniquesBias for Action and high sense of urgencyAbility to manage several tasks on a daily basis.Excellent attention to detail.Intermediate knowledge of business financial structures and deposit needs.Knowledge of office procedures and equipment.Exceptional knowledge of computer functions and internal software applications.Interpersonal skills to present the Credit Union in a positive way during transactions.Goal/ mission drivenSelf-starter who knows how to develop centers of influencesValid driver's license and reliable transportationAdheres to all federal, state and credit union regulations and policies.EDUCATION AND/OR EXPERIENCE
1-3 years of mortgage experience needed with existing referral sources preferredHigh School diploma or equivalentCollege degree in business-related field, preferred
Reports To:
Mortgage Sales ManagerPosition Type:
Exempt
Location : Supports Muncie, Pendleton, and Fortville
WHAT SETS US APART?Local ServicingWide variety of Portfolio and Conventional Loan OptionsFull array of lending products that you would be able to refer in house.Opportunity to originate more because of the products that are offered.We have a strong background and expertise in residential construction lending.Competitive DrawPOSITION SUMMARY
The Mortgage Loan Officer establishes trusting relationships with members and business partners by providing consistent high-quality service. Uses persistence and persuasion to overcome objections. Increases member satisfaction by being highly responsive to the needs of members. Incorporates critical thinking when working with membership to ascertain which option is the best fit for the member's Spend, Save and Borrow needs. Provides advice and assistance regarding budget counseling, consolidations, pay methods, and other areas relating to member's financial needs. Well versed with a variety of mortgage products, including Conventional, Government (FHA, VA and USDA) and Equity Products. Up to date on all Portfolio Loan guidelines in order to meet origination unit and volume goals. Evaluates alternatives to ensure the solutions provided and products recommended are in the best interest of the membership. Assesses risk and ensures compliance with all credit union policies and procedures, as well as Federal Laws and Regulations. Ensures all Credit Union member information and transactions are kept confidential. Manages the lending process, evaluates need, sells products, and maintains knowledge of internal and competitor's trends (rates, terms, etc.). Uses technology to its fullest extent and leverages technical support when needed to either enhance performance or solution a problem.
Must be comfortable in an outside sales role and be familiar with calling on referral sources including Realtors, Builders, Investment Advisors and other COIs in the community in order to grow the Credit Union's membership through the origination of Purchase and Construction Mortgage Transactions. Must be able to attend outside events in a networking capacity promoting the 3Rivers brand and establishing new relationships in order to grow and expand your referral sources. Must be willing to work with the branch teams in order to maintain member retention through various types of mortgage transactions. Must be available to work nights and weekends when member needs are present.
ACTIVITY & KNOWLEDGE REQUIREMENTS
Work Environment& Physical Effort
NormalKnowledge Requirements
Ability to gather and properly complete data in accordance to regulatory and organization's requirements.Good understanding of financial institution products and services.Flexible and able to work independently with limited supervisionAbility to adapt quickly to changeProactive selling/networking techniquesBias for Action and high sense of urgencyAbility to manage several tasks on a daily basis.Excellent attention to detail.Intermediate knowledge of business financial structures and deposit needs.Knowledge of office procedures and equipment.Exceptional knowledge of computer functions and internal software applications.Interpersonal skills to present the Credit Union in a positive way during transactions.Goal/ mission drivenSelf-starter who knows how to develop centers of influencesValid driver's license and reliable transportationAdheres to all federal, state and credit union regulations and policies.EDUCATION AND/OR EXPERIENCE
1-3 years of mortgage experience needed with existing referral sources preferredHigh School diploma or equivalentCollege degree in business-related field, preferred