Loan Officer

This is a fully remote position, open to applicants in New York.

📋 Description

• Establish and nurture relationships with both new and existing members, offering expert guidance throughout the mortgage process.

• Collaborate effectively with real estate agents and industry professionals to guarantee a smooth experience.

• Pre-qualify members or prospective members through thorough analysis of income, credit, and assets.

• Choose suitable loan plan options and conduct member interviews and applications.

• Collect necessary documents, compile loan files, issue preliminary disclosures for IL, NJ, and FL, and prepare applications for processing.

• Advise members on the various steps of the loan process, including timeframes, rates, fees, APR, and financing specifics.

• Promote complementary credit union products and services.

• Maintain communication with applicants, providing updates on application status and resolving any issues that arise.

• Oversee multiple loan applications and meet deadlines efficiently.

• Coordinate with processing, underwriting, and closing teams to ensure timely closing dates are achieved.

• Guide and mentor members regarding home purchase and refinance loan options.

• Utilize knowledge of mortgage program guidelines, TRID, Loan Estimates, Closing Disclosures, interest rates, and APR.

• Adhere to federal, state, and local laws as well as credit union policies concerning Fair Credit, Equal Housing Opportunity, Truth in Lending, and HMDA.

• Organize, plan, develop, and deliver home-buying seminars for realtors and members.

• Keep accurate records, track loan statuses, and manage a high volume of members and documentation.

• Execute other assigned duties and responsibilities as needed.

⛳️ Requirements

• At least 2-3 years of experience in 1st mortgage lending sales, encompassing both purchase and refinance loans.

• Exceptional verbal and written communication skills, along with strong relationship-building abilities.

• In-depth knowledge of mortgage products and lending regulations.

• Self-driven and detail-oriented individual.

• Proficient in both verbal and written Polish.

• A bachelor's degree or higher is required.

🏝️ Benefits

• Medical, Vision, and Dental Insurance.

• Retirement Plans.

• Life Insurance Plans.

• Tuition Reimbursement.

• Pet Insurance.

• Paid Time Off, including Vacation, Personal, and Sick Time.

• Birthday Day off.