Mortgage Loan Officer

This is a fully remote position, open to applicants in Oregon, +1 more state.

📋 Description

• Provide exceptional, high-quality service and foster strong relationships with individuals seeking mortgage loans.

• Generate business opportunities from both external and internal sources.

• Assess and introduce member loan requirements.

• Facilitate the origination of conventional, custom construction, government, and occasionally home equity mortgage loans through to completion.

• Track loans in progress and ensure the collection and completion of necessary documents with members.

• Oversee processing-stage applications and maintain accountability until loan closure.

• Deliver required disclosures and finalize applications while addressing compliance issues prior to processing.

• Cultivate relationships with branches, realtors, builders, and other referral sources within the designated trade area.

• Respond to branch referrals via CRM within one business day.

• Participate in community initiatives and regional realtor and builder associations to enhance loan production.

• Adhere to lending and compliance training and guidelines.

• Report on and track application status and funding projections with the Director of Mortgage Sales.

• Develop and implement 90-day action plans to meet member needs and production targets.

• Deliver customer service while ensuring confidentiality and discretion for both internal and external members.

• Maintain a comprehensive understanding of assigned duties and pursue additional training as necessary.

• Ensure adherence to security, audit, regulatory, information security, privacy, and Bank Secrecy Act/Customer Identification Program policies.

• Perform other assigned duties as required.

⛳️ Requirements

• High School diploma required.

• A minimum of two (2) years of experience in mortgage-related originations.

• Knowledge of or the ability to learn federal, state, and local laws, statutes, regulations, codes, and standards, including SAFE Act, TRID, and HUD guidelines.

• Familiarity with member service principles and processes.

• Understanding of FHA Connection and the process of ordering mortgage insurance certificates for conventional, FHA, and VA mortgages.

• Capability to explain policies, procedures, laws, and regulations to members and employees.

• Ability to interpret written, oral, diagrammatic, and schedule-based instructions and technical procedures.

• Skill in interpreting and applying laws, regulations, policies, and procedures.

• Aptitude for staying updated with industry and regulatory changes and trends.

• Candidates must reside in Oregon or Washington.

• Willingness to travel as required.

🏝️ Benefits

• Coverage for medical, dental, vision, and life insurance.

• Company-paid Medical, Dental, and Vision insurance option at 100% for employee-only coverage.

• Health Care FSA (HCFSA) available.

• Health Savings Account (HSA) with employer contributions.

• Dependent Care FSA (DCFSA) offered.

• Life and AD&D insurance provided.

• 401(k) retirement plan available.

• 8 hours of vacation accrued monthly.

• 8 hours of sick leave accrued monthly.

• 11 paid holidays observed.

• 1 floating holiday included.

• 16 hours allocated for self-care time.

• 16 hours designated for volunteer work.

• A competitive performance-based incentive plan with no cap on potential earnings.