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  • 4161 Highway K
    O'Fallon, MO 63368

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Mortgage Loan Officer - St. Louis Area

West Community Credit Union • O'Fallon, MO

Posted 20 days ago

Job Snapshot

Full-Time
Mortgage
Banking

Job Competition

1

Applicant

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Job Description

POSITION PURPOSE

Position is responsible for the origination of long-term real estate mortgage loans. Conducts initial pre-qualification interviews and prepares complete loan application packages with necessary documentation. Conveys policies for extension of credit in accordance with Credit Union and Secondary Market investor guidelines. Meets Mortgage Loan scheduling and documentation requirements, and production expectations as determined by the Director of Mortgage Services.  Serves members, prospective members, builders, developers, and Realtors promptly and professionally.  Provides general Credit Union information and cross-sells services.  Assists Mortgage Loan personnel as necessary.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1.             Assumes responsibility for the effective and professional completion of assigned loan origination functions.

  1. Interviews, takes applications, and processes preliminary documentation on loan requests.  Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from perspective members. 

  2. Performs follow-up work as necessary to achieve conditional approval within established time frames.

  3. Notifies member of problem ratios or credit ratings and advises member on potential options.

  4. Advises members of loan approval or denial.  Explains loan denials precisely and clearly to members.

  5. Completes lending operations in accordance with established Credit Union policies and legal requirements. 

  6. Establishes a business development call program to solicit new mortgage loan business from Realtors, Builders, Members and other business entities.  Makes regular outside the office visits to foster a working relationship that increases the production of new mortgage loan applications.

  7. Identify and recommend product and service offerings that enhance the Department’s ability to meet member needs, Credit Union goals, or individual production goals.

2.             Assumes responsibility for establishing and maintaining effective and professional business relations with members, Realtors and building professionals.

a.             Answers questions and requests, and resolves problems.

b.             Informs members of Credit Union loan policies and services.

c.             Counsels members regarding money management and financial matters.  Counsels members whose loan requests were denied, explaining reasons and alternatives.

d.             Maintains and projects the Credit Union's professional reputation.

e.             Represent the Credit Union during the established outside business development call program

3.             Assumes responsibility for establishing and maintaining effective communication and coordination with Credit Union personnel and with management.

a.             Coordinates functions with related departments and Branches and provides support as needed.

b.             Assists Mortgage Loan personnel and serves as a backup as needed.

c.             Keeps management informed of area activities and of any significant problems.

d.             Attends and participates in meetings and committees as required.

e.             Completes required records and reports.

4.             Assumes responsibility for related duties as required or assigned.

  1. Professionally cross-sells Credit Union services. 

  2. Stays informed regarding changes in lending standards, related legal requirements, and trends in local real estate and competitive market

  3. Ensures that work area is clean, secure, and well maintained. 

  4. Safeguards Credit Union property such as lap tops, cell phones and broadband mobile technology devices.

PERFORMANCE MEASUREMENTS

1.             Lending functions are effectively performed in accordance with established Credit Union policies and with legal and regulatory requirements.

2.             Good business relations exist with members and business professionals.  Programs and services are properly and thoroughly explained and questions courteously answered or appropriately referred.

3.             Loan documentation, files, and related reports are complete, accurate, and timely.  Monthly reports are submitted as scheduled.

4.             Loan applications and related financial data are closely and effectively analyzed and evaluated.

5.             Good working relations exist with Credit Union personnel and with management.  Assistance is provided as needed.  Management is appropriately informed.

6.             Established individual production expectations are met or exceeded.

Enthusiasm & Positivity: One’s own sense of pride and a positive attitude within the workplace/openness to being part of a team.

Creating Partnerships:  Creating collaborative relationships based on trust, and mutual understanding to achieve shared goals.

Creativity & Adaptability:  Finding creative solutions, supporting innovation and improvement opportunities and willing to be agile.

Commitment to Learning & Growth:  Growing your knowledge and skill sets to meet and exceed the expectations of your position and our organization.

Integrity & Ethics:  Serving our members and work partners honestly while upholding compliance, fairness and cultivating relationships based on trust.

This position requires registration under the National Mortgage Licensing System (NMLS) as a Mortgage Loan Officer (MLO).

Job Requirements

QUALIFICATIONS 

Education/Certification:                     Associate Degree or Work Experience equivalent.

                                                                            Additional coursework in business or related field preferred.                                            

Required Knowledge:                            Understanding of the foundation of determining credit worthiness.

                                                                        Knowledge of Credit Union loan policies, products, procedures, processing, and underwriting guidelines.

                                                                         Familiarity with title reports, insurance, and appraisals.

Experience Required:                              Outside Sales Business Development is helpful.

Skills/Abilities:                                          Strong interviewing skills.

                                                                        Excellent communication and public relations abilities.

                                                                        Good analytical and financial skills.  

                                                                        Able to operate related computer applications, calculator, and other basic business equipment.

FOR PHYSICAL AND MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION, PLEASE SEE FULL JOB DESCRIPTION ON COMPANY WEBSITE.

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