Ent Credit Union
Mortgage Loan Officer External Colorado Springs CO
Ent Credit Union, Colorado Springs, Colorado, United States, 80509
Job Description
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.
Qualifications:Qualifications
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
Additional Information
The pay range for this position is: $55,000.00 per year. (COM)
This position is eligible for monthly incentives based on performance.
Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, and internal pay equity.
We anticipate this position to close on 11/28/2024. Please submit your application at your earliest convenience to be considered.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
Benefits Summary Sheet
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)
Compensation:$55,000-$55,000 per year
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.
Qualifications:Qualifications
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
Additional Information
The pay range for this position is: $55,000.00 per year. (COM)
This position is eligible for monthly incentives based on performance.
Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, and internal pay equity.
We anticipate this position to close on 11/28/2024. Please submit your application at your earliest convenience to be considered.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
Benefits Summary Sheet
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)
Compensation:$55,000-$55,000 per year