Mortgage Loan Officer - Inside Sales

PRIMARY PURPOSE: Reviews and originates mortgage loan applications. Takes the necessary steps to protect the collateral assets of Wings Financial. Proactively solicits new residential mortgage loans while meeting established loan quality and production goals. Demonstrates a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to all regulatory requirements.

Essential Duties

• Reviews and originates mortgage loan applications via all channels; online, phone, in person.
• Supports inquires and loan applications from our retail branches.
• Responds to borrower inquiries and referrals.
• Obtains required documentation from prospective borrowers to analyze applicant income, credit, assets & property.
• Interviews prospective borrowers to understand their goals and align that with the best loan products to fit their needs.
• Educates borrowers on the loan products, process, and what to expect.
• Works with processing team to ensure that all required file documentation is complete and accurate.
• Utilizes automated underwriting system (DU) as an underwriting tool to interpret and ensure loan files meet investor and Wings Financial lending requirements.
• Responsible to know and understand all state specific lending requirements for those states that Wings Financial offers financing to, including attorney requirements and community property laws.
• Effectively communicates and coordinates with member, realtor, underwriter, processor and closer to ensure closing dates are met.
• Engages in educational opportunities, reading professional publications and maintaining personal networks.
• Maintains security and privacy of all members personal information & documentation.
• Ensures exceptional customer service by having a thorough knowledge of lending programs, policies, procedures along with investor and regulatory requirements.
• Supports night, weekend & holiday coverage as needed.
  
  

Qualifications

• College degree preferred
• Minimum of 3 years Mortgage Loan Officer experience required; or equivalent combination of education and experience.
• Strong organizational skills and attention to detail.
• Strong communication skills; written and oral.
• Strong customer service, sales and relationship building skills.
• Skilled knowledge of products, policies, procedures & secondary market, and credit union guidelines.
• Working knowledge of computer software (Microsoft Excel and Word)
• Required to obtain or possess a Mortgage Loan originator (“MLO”) unique qualifier (NMLS registration number). Must have the ability to successfully completed all MLO Registry requirements, including passing background and credit checks and submitting to fingerprinting and to any other requirements of the rules enacted pursuant to the S.A.F.E. Act.
• Bondable.
  
  

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range: $27-$35/hr plus incentives and annual bonus. The estimated hiring range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, qualifications and other job-related reasons.

Benefits

• Generous 401(k) match
• 401k Discretionary Profit Sharing
• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Short Term and Long Term Disability
• Health Savings Account with company contribution
• Employee Assistance Program
• Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
• Paid Holidays
• Tuition Reimbursement
• Paid Parental Leave