Skip navigation
Unable to save this job. Please try again later.

{msg}

Email this Job to Yourself or a Friend

To begin the application process, please enter your email address.

Company Contact Info

  • San Diego, CA

Already have an account?

Sign in to apply with your saved resumes.

New to CareerBuilder?

Don't have an account? Continue as a guest!

Sorry, we cannot save or unsave this job right now.

Report this Job

Trust and Site Security Team.

Don't miss out on new jobs!

Get the latest Mortgage Loan Officer jobs in San Diego, CA delivered directly to your inbox. You can unsubscribe at any time.

Saving Your Job Alert

Job Alert Saved!

Could not save Job Alert!

You have too many Job Alerts!

This email address has reached the maximum of 5 email alerts. To create a new alert, you will need to log into your email and unsubscribe from at least one.

Sign Up

or   Sign In Here
Password Must Contain
• 
8 to 15 characters
• 
1 uppercase letter
• 
1 number or symbol
• 
1 lowercase letter
Cancel
Create an Account with CareerBuilder to save jobs & unlock these great features
See similar job titles and skills to help you make your next move
Upload a resume and become visible to Hiring Managers and Employers
Compare Salary Information to see where you stand amongst your peers
Easily Quick Apply to jobs with just one click!

Email Send Failed!

Mortgage Loan Officer I/II (Scripps Ranch)

Navy Federal Credit Union • San Diego, CA

Posted 7 days ago

Job Snapshot

Full-Time
Other Great Industries
Finance
0

Applicant

How Do You Compare to the Competition?

Get facts about other applicants with a CareerBuilder Account

Job Description



Employee Perks

Why You Will Love Being Part of the Navy Federal Team:

*Competitive compensation with opportunities for annual raises, promotions, and bonus potential
*Best-in-Class Benefits! (7% 401k match / Pension plan / Tuition reimbursement / Great insurance options)
*On-site amenities include fitness center, wellness center, cafeteria, etc. at Pensacola, FL; Vienna, VA and Winchester, VA campuses
*Consistently Awarded Top Workplace
*Nationally recognized training department by TRAINING Magazine
*An employee-focused, diverse, and service-oriented workplace environment



Basic Purpose

To interview and counsel members about first mortgage loans and to take mortgage loan applications. To establish and maintain personal relationship with members, and to guide and follow their mortgage loans from initial application through the loan closing process. To build and maintain referral relationships with realtors, builders, and other centers of influence.
 
Responsibilities
 
1. Interviews and counsels members, face to face and over the telephone to help members with their mortgage loans.
• Takes first mortgage loan applications via face-to-face interview, mail, and over the telephone entering application data into on-line system
• Determines applicants’ qualifications; providing detailed information about Navy Federal’s mortgage and equity loan products; clarifying complexities of the mortgage/equity loan process; and evaluating, personalizing, and recommending financing alternatives
• Reviews the application for completeness and integrity of loan data. Reviews the automated recommendation to approve the loan or refer it for further analysis
• For approved loans, determines applicable loan conditions and documentation requirements and advises the member of loan conditions and documentation requirements
• For referred loans, analyzes areas of concern and determines proper course of action (e.g., obtain explanations for derogatory credit). Prepares loan disclosures required by Federal/state laws (e.g., Good Faith Estimate, Truth-In-Lending)
• Requests and obtains documentation needed and forwards to Mortgage Processor. Maintains good working relationship with assigned Mortgage Processor regarding progress and required processing information (e.g., verifications of employment, assets, income, and liabilities; appraisal reports, Navy Federal and investor requirements, etc.)
• Follows up on unanswered requests for documentation
• Maintains contact with the member, Realtor and/or seller during the entire loan progress; responds to inquiries and resolves problems regarding processing of the loan
• Ensures that the processing and mortgage loans are in compliance with Federal laws, and Navy Federal, NCUA and secondary market practices, guidelines, and regulations
• Engages in outside marketing and promotional activities to support individual mortgage sales by making office visits, presentations, attending open houses, frequenting trade shows and local realtor/trade events
2. Responds to inquiries about mortgage applications, processing status, problems, and concerns. Resolves issues or arranges for resolution.
• Remains on-call and available to members and/or their real estate agents during scheduled evening hours after assigned work days and during scheduled hours on assigned days off (e.g., weekends)
• Meets on-call requirements for accessibility including travel limits and behavior parameters
• Develops, creates, conducts, and/or participates in events to build ongoing business for Navy Federal such as Homebuyer Seminars, trade shows, tent sales, branch office promotions, etc.
3. Serves as backup Counselor for the Call Center Account Specialists who take mortgage applications, as well as backup for Mortgage Processors and Mortgage Closers.
4. Provides general information on credit union services and policies.
• Documents and processes member requests for additional information; forwards requests requiring additional action to appropriate personnel
5. Performs other related duties as required or appropriate.
 
“While employed at Navy Federal as a Mortgage Loan Officer, employees are expected to provide a duty of loyalty to Navy Federal to facilitate and or originate mortgage loans for Navy Federal. Activities that facilitate mortgage loans for entities other than Navy Federal (including, but not limited to, use of a real estate license to arrange or refer loans for other lenders) conflict with this duty of loyalty and may subject the employee to immediate termination”
 
Level I
 
• Follow standard course of action: generally does not vary from established policies, procedures, or guidelines
• Uses existing procedures to solve routine problems of recurring nature
• All underwriting/ automated decision points are reviewed by a Supervisor
• Works under direct supervision
 
Level II
 
• Follows standard course of action with limited discretion to vary from established policies, procedures, or guidelines
• Organizes and leads productive marketing activities
• Submits underwriting/ automated decision points with no supervision
• Works under general supervision
 
Qualifications – knowledge, skills, and abilities
 
Level I Required
 
• If selected, will be required, prior to the assumption of employment duties, to register with the Nationwide Mortgage Licensing System and Registry; includes fingerprinting and background checks
• Basic knowledge of mortgage lending requirements, regulations and procedures for VA and conventional loan programs
• Experience that demonstrates basic knowledge and understanding processing and closing first mortgage and equity loans
• Ability to comprehend, analyze and explain multiple, complex loan programs, financing options and basic mathematic principles
• Effective interpersonal, verbal and written communications skills
• Ability to speak in front of groups in a professional setting
• Ability to work independently, exercise judgment, demonstrate initiative, meet deadlines, and maintain poise under challenging circumstances
• Ability to work effectively and efficiently with automated systems
• Knowledge of Personal Computers and word processing, spreadsheet, and database applications
 
Level II Required
 
• If selected, will be required, prior to the assumption of employment duties, to register with the Nationwide Mortgage Licensing System and Registry; includes fingerprinting and background checks
• Experience that demonstrates proficiency and expertise processing and closing first mortgage and equity loans
• Thorough knowledge of mortgage lending requirements, regulations and procedures for VA and conventional loan programs
 
Desired
 
• Familiarity with Navy Federal policies, procedures, products, and services
• Education above the high school level with course concentration in Accounting or Business Administration
 
Working Conditions
 
On-call during established evening hours after regular scheduled work assignments and during established hours on weekly scheduled days off (e.g., weekends and holidays).
 
Hours: Monday – Friday, 8:30AM – 5:00PM
 
Bank Secrecy Act
 
Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.



Equal Employment Opportunity

Navy Federal values, celebrates, and enacts diversity in the workplace.  Navy Federal takes affirmative action to employ and advance in employment qualified individuals with disabilities, disabled veterans, Armed Forces service medal veterans, recently separated veterans, and other protected veterans.  EOE/AA/M/F/Veteran/Disability

Job ID: 35275
Help us improve CareerBuilder by providing feedback about this job: Report this Job.
CAREERBUILDER TIP
For your privacy and protection, when applying to a job online, never give your social security number to a prospective employer, provide credit card or bank account information, or perform any sort of monetary transaction. Learn more.
By applying to a job using CareerBuilder you are agreeing to comply with and be subject to the CareerBuilder Terms and Conditions for use of our website. To use our website, you must agree with the Terms and Conditions and both meet and comply with their provisions.
Don't miss out on new jobs like this
Get the latest jobs delivered to your inbox. Unsubscribe at any time.

Saving Your Job Alert

Job Alert Created

Well, this is embarrassing. We are having trouble saving your search. You can try again or come back at a later time.

Maximum Email Alerts

This email address has reached the maximum of 5 email alerts. To create a new alert, you will need to log into your email and unsubscribe from at least one.