3Rivers Federal Credit Union
Mortgage Loan Officer
3Rivers Federal Credit Union, Fishers, IN, United States
Position: Mortgage Loan Officer
Reports To: Mortgage Sales Manager
Position Type: Exempt
Location: Supports Muncie, Pendleton, and Fortville
WHAT SETS US APART?
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
Reports To: Mortgage Sales Manager
Position Type: Exempt
Location: Supports Muncie, Pendleton, and Fortville
WHAT SETS US APART?
- Local Servicing
- Wide variety of Portfolio and Conventional Loan Options
- Full 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 Draw
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
- Normal
- 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 supervision
- Ability to adapt quickly to change
- Proactive selling/networking techniques
- Bias for Action and high sense of urgency
- Ability 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 driven
- Self-starter who knows how to develop centers of influences
- Valid driver's license and reliable transportation
- Adheres to all federal, state and credit union regulations and policies.
- 1-3 years of mortgage experience needed with existing referral sources preferred
- High School diploma or equivalent
- College degree in business-related field, preferred