University Federal Credit Union
Bilingual Mortgage Loan Officer (Spanish) - North Carolina
University Federal Credit Union, Cary, North Carolina, United States, 27518
Job Summary
Join our dynamic team as a Bilingual Mortgage Loan Officer (MLO) in Cary, NC, and play a pivotal role in fulfilling our purpose of empowering our members to achieve financial success and brighter futures. In this exciting opportunity, you'll be instrumental in assisting members looking to purchase or refinance their homes, significantly impacting their life journey. Your core responsibility as an MLO involves understanding each member's unique financial needs and guiding them through our extensive suite of mortgage products to find the perfect fit. Our aspiration is to be loved by millions, and as an MLO, you will contribute to this goal by providing exceptional service and support to our members.
You'll work collaboratively with our dedicated local teams, including in-house processing and underwriting experts, ensuring a seamless and efficient loan process. This role is perfectly suited for individuals who are passionate about providing exceptional financial solutions within a supportive, team-oriented environment. Join our team in Cary, NC, and embark on a rewarding career with us, where your efforts directly contribute to helping members realize their homeownership dreams and secure brighter futures.
About UFCU
Founded in 1936, UFCU has grown to serve Members across Texas and beyond.At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of
empowering our Members to achieve financial success and build brighter futures .
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:
Purposefully Member-Obsessed
We are driven by a profound sense of empathy to deeply understand our Members' needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members' best interests, forever seeking to empower their financial success.
Possibilities Reimagined
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.
Essential Functions
Service Analysis:Advise members by identifying the correct mortgage product for their housing needs and financial futureReview and analyze credit and Desktop Underwriting (DU) findingsExhibit sales and financial analysis competency in the origination process, creating solutions and mortgage management plans for the memberActively seek opportunities to increase loan volumeExhibit strong consultative sales skills, analytic ability, knowledge of the mortgage bond market, and ability to perform and explain mathematical comparisons of the mortgage options available to the memberComply with RESPA, HMDA, and other laws and regulationsMaintain knowledge of current mortgage guidelinesSystem and Member Documentation:
Utilize CRM to consistently track and communicate all phases of the loan process from start to closingServe as a liaison between involved parties in the mortgage transactions such as REALTORS, title company personnel and othersAttend the closing when possibleMake post-closing follow-up calls to ensure member satisfaction and request referralsProvide timely and accurate loan information to membersDisplay a commitment to providing up-to-date and accurate information by attending a minimum of two professional seminars annually and pursuing on-going learning.Business Development:
Serve as UFCU outside sales representative by actively identifying, soliciting, developing relationships with REALTORS, builders and other referral partners to increase mortgage lending business in the communityMake calls and presentations to referral partnersCreate outside referral sources to generate 100% of monthly volume goalsDevelop and implement sales strategies designed to meet credit union and mortgage lending goals in the community.Participate in industry professional associations to stay informed and educated on the mortgage industryOther:
Perform other duties as assignedAdhere to all company policies, procedures and business ethics codesMaintain strict adherence and compliance to all laws, rules, regulations, policies, procedures and internal controls specific to the MLO roleKnowledge/Skills/Abilities
Displays strong interpersonal skills through fostering teamwork and demonstrating patience and respect when dealing with difficult situationsFully competent in Microsoft Office, Encompass, and other related software programs. Demonstrates the ability to use loan origination software to efficiently perform job functions.Knowledgeable in all aspects of the Federal and State Regulations dealing with Mortgage and Home Equity lending, required. These include but are not limited to: HMDA, RESPA, Fair Housing, ECOA, TIL, and Section 50, Article XVI of the Texas Constitution.Ability to present ideas and thoughts in a clear, concise manner. Ability to make oral presentations with persuasiveness and confidence. Ability to use clear and simple language to get the message across to members and co-workers.Able to quickly build rapport and establish credibility with members and co-workers.Ability to manage multiple projects, under tight deadlines while maintaining the accuracy and integrity of loan documentation.Core Competencies
Demonstrating Member ObsessionDemonstrating Performance ExcellenceDemonstrating InnovationExperience
Minimum Requirements
High school diploma or equivalent requiredMinimum of two (2) years of inside/outside sales experience requiredMinimum of two (2) years of mortgage loan origination experience, including experience with self-sourced loans, requiredMust be fully bilingual in Spanish and English, with the ability to read, write, and speak fluently in both languagesMust pass a Spanish language proficiency test as part of the hiring processMust be bondablePreferred Requirements
Bachelor's Degree preferredBilingual in Spanish is preferredThings You Need to Know Before You Apply
Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, in order to successfully perform the essential functions of this job.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Frequent
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.Employee will make extensive use of the telephone requiring the ability to effectively and accurately explain complex information.Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position requires working frequently at UFCU Plaza in Austin, Texas.This position may involve periodic stressful conditions.May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.Frequent computer use at a workstation up to two hours at a time.The noise level in the work environment is usually loud.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
Join our dynamic team as a Bilingual Mortgage Loan Officer (MLO) in Cary, NC, and play a pivotal role in fulfilling our purpose of empowering our members to achieve financial success and brighter futures. In this exciting opportunity, you'll be instrumental in assisting members looking to purchase or refinance their homes, significantly impacting their life journey. Your core responsibility as an MLO involves understanding each member's unique financial needs and guiding them through our extensive suite of mortgage products to find the perfect fit. Our aspiration is to be loved by millions, and as an MLO, you will contribute to this goal by providing exceptional service and support to our members.
You'll work collaboratively with our dedicated local teams, including in-house processing and underwriting experts, ensuring a seamless and efficient loan process. This role is perfectly suited for individuals who are passionate about providing exceptional financial solutions within a supportive, team-oriented environment. Join our team in Cary, NC, and embark on a rewarding career with us, where your efforts directly contribute to helping members realize their homeownership dreams and secure brighter futures.
About UFCU
Founded in 1936, UFCU has grown to serve Members across Texas and beyond.At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of
empowering our Members to achieve financial success and build brighter futures .
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:
Purposefully Member-Obsessed
We are driven by a profound sense of empathy to deeply understand our Members' needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members' best interests, forever seeking to empower their financial success.
Possibilities Reimagined
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.
Essential Functions
Service Analysis:Advise members by identifying the correct mortgage product for their housing needs and financial futureReview and analyze credit and Desktop Underwriting (DU) findingsExhibit sales and financial analysis competency in the origination process, creating solutions and mortgage management plans for the memberActively seek opportunities to increase loan volumeExhibit strong consultative sales skills, analytic ability, knowledge of the mortgage bond market, and ability to perform and explain mathematical comparisons of the mortgage options available to the memberComply with RESPA, HMDA, and other laws and regulationsMaintain knowledge of current mortgage guidelinesSystem and Member Documentation:
Utilize CRM to consistently track and communicate all phases of the loan process from start to closingServe as a liaison between involved parties in the mortgage transactions such as REALTORS, title company personnel and othersAttend the closing when possibleMake post-closing follow-up calls to ensure member satisfaction and request referralsProvide timely and accurate loan information to membersDisplay a commitment to providing up-to-date and accurate information by attending a minimum of two professional seminars annually and pursuing on-going learning.Business Development:
Serve as UFCU outside sales representative by actively identifying, soliciting, developing relationships with REALTORS, builders and other referral partners to increase mortgage lending business in the communityMake calls and presentations to referral partnersCreate outside referral sources to generate 100% of monthly volume goalsDevelop and implement sales strategies designed to meet credit union and mortgage lending goals in the community.Participate in industry professional associations to stay informed and educated on the mortgage industryOther:
Perform other duties as assignedAdhere to all company policies, procedures and business ethics codesMaintain strict adherence and compliance to all laws, rules, regulations, policies, procedures and internal controls specific to the MLO roleKnowledge/Skills/Abilities
Displays strong interpersonal skills through fostering teamwork and demonstrating patience and respect when dealing with difficult situationsFully competent in Microsoft Office, Encompass, and other related software programs. Demonstrates the ability to use loan origination software to efficiently perform job functions.Knowledgeable in all aspects of the Federal and State Regulations dealing with Mortgage and Home Equity lending, required. These include but are not limited to: HMDA, RESPA, Fair Housing, ECOA, TIL, and Section 50, Article XVI of the Texas Constitution.Ability to present ideas and thoughts in a clear, concise manner. Ability to make oral presentations with persuasiveness and confidence. Ability to use clear and simple language to get the message across to members and co-workers.Able to quickly build rapport and establish credibility with members and co-workers.Ability to manage multiple projects, under tight deadlines while maintaining the accuracy and integrity of loan documentation.Core Competencies
Demonstrating Member ObsessionDemonstrating Performance ExcellenceDemonstrating InnovationExperience
Minimum Requirements
High school diploma or equivalent requiredMinimum of two (2) years of inside/outside sales experience requiredMinimum of two (2) years of mortgage loan origination experience, including experience with self-sourced loans, requiredMust be fully bilingual in Spanish and English, with the ability to read, write, and speak fluently in both languagesMust pass a Spanish language proficiency test as part of the hiring processMust be bondablePreferred Requirements
Bachelor's Degree preferredBilingual in Spanish is preferredThings You Need to Know Before You Apply
Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, in order to successfully perform the essential functions of this job.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Frequent
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.Employee will make extensive use of the telephone requiring the ability to effectively and accurately explain complex information.Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position requires working frequently at UFCU Plaza in Austin, Texas.This position may involve periodic stressful conditions.May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.Frequent computer use at a workstation up to two hours at a time.The noise level in the work environment is usually loud.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)