Job Type: Full-time
Location: Northern Utah area branches
All of us at Chartway stand united in our strong culture of
listening and learning. We treat people with respect, integrity, and kindness,
and are committed to continuously developing a diverse and inclusive workplace
where team members are empowered to be their authentic selves. All backgrounds,
viewpoints, and life experiences are welcome, knowing this commitment
strengthens our credit union family and communities.
The Mortgage Loan Officer is responsible for originating a mortgage loan with a member or potential member online, by phone, in person or from a team member referral. This position is responsible for accurate and efficient completion of the loan application, using this process as an opportunity to cross sell other credit union loan and deposit products. This position effectively communicates with the member and the mortgage team to ensure problem resolution and member satisfaction in a timely manner. This position establishes and preserves professional business relations with loan referral sources. This position reports to the Mortgage Production Manager and is a commission-based position.
Responsible and Accountable:
- To pre-qualify members or potential members,
choose appropriate loan plan options, interview the member to complete
application, gather necessary documents, assemble loan file, issue
preliminary disclosures with related fees and prepare loan application for
processing. - To advise members of steps and normal timeframes in
loan process, including but not limited to setting expectations for time
critical events, rates, fees, APR and other important elements of
financing. - To cross sell additional credit union products and
services that complement and enhance the member’s financial well-being. - Must
successfully participate and pass all Continuing Education work as
requested by Chartway and /or required by Regulatory agencies
Knowledge, Skills and Abilities:
- Solid understanding of the Real Estate industry, home purchase market and life cycle.Have the ability to coach and counsel members in the nuances of home purchase and refinance loans.
- Knowledgeable
of mortgage program guidelines for credit union approved mortgage loan
products as well as strong understanding of Loan Estimate and Closing
Disclosure requirement as outlined in TRID, interest rates and APR - Ability to comply with federal, state and local laws
as well as credit union policy related to Fair Credit, Equal Housing
Opportunity, Truth in Lending and the Home Mortgage Disclosure Act throughout
the mortgage application process. - Must have excellent sales skills with the ability
to match member needs with credit union products and effectively position
benefits for member to seek 1st mortgage financing with
Chartway. - Ability to coach and train team members to generate
mortgage referrals. - Ability to organize, plan and develop, and deliver
home buying seminars to both Realtors and Members. - Ability to build a network of mortgage referral
sources within the community - Excellent communication and public relations skills
to build relationships with internal and external contacts.
Education and Experience:
- Education: Associates degree or equivalent
experience. - Experience: Minimum of 2-3 years of 1st mortgage lending sales experience including both purchase and refinance
loans.
Chartway offers a competitive salary and a comprehensive benefits package. Candidates must have a good credit history for consideration. Salary requirements must be included and resumes must be accompanied by a Chartway Employment Application for consideration.
Chartway Federal Credit Union is an EOE/M/F/Disability/Vet Employer.
If
a reasonable accommodation is needed for the job interview process, please
contact our Talent Acquisition Team at 1-877-319-4818
extension 74862 or email us at [email protected].