Job Description
Sentinel Federal Credit Union is seeking a dedicated and skilled Mortgage Loan Officer. Join SFCU’s dynamic team as a Mortgage Loan Officer where you will play a crucial role in the origination of long-term mortgage loans, including lot and construction loans.
Why Join Us? At Sentinel Federal Credit Union, we value our employees and offer a supportive work environment with opportunities for growth and development. Our Sentinel Team believes in and supports the people-helping-people philosophy that is the pillar of our credit union industry. Sentinel Federal Credit Union is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Essential Duties/Responsibilities
Responsible for accurate completion of assigned loan origination functions including conducting interviews, completing applications, and processing preliminary documentation on loan requests. Provide member with loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members.
Perform follow-up work as necessary to achieve conditional approval within established time frames.
Notify member of loan status due to problem ratios or credit ratings.
Advise member of loan approval or denial. Explain loan denials precisely and clearly to member.
Complete lending steps in accordance with established Credit Union policies and legal requirements.
Assume responsibility for establishing and maintaining effective and professional business relations with members, realtors, and building professionals. Inform members and potential borrowers of CU loan policies and services.
Job Knowledge:
Working knowledge of the credit union’s products and services.
Working knowledge of organization’s policies, procedures, and service philosophy.
Excellent knowledge of changes in lending standards, related legal requirements, and trends in local real estate and competitive market.
Working knowledge of safety and security program for false alarms, robberies, bomb threats, and extortion.
Requirements/Preference:
A minimum of 18 years of age required.
A valid driver’s license required.
2 years direct and relevant experience required.
High School diploma required.
College education preferred.
A combination of relevant experience and education may be accepted.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and stand for extended periods of time and occasionally reach, stoop, kneel, bend, and crouch. The employee may occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include adequate near and far sight. Employees must possess the manual dexterity required to perform computer-related tasks. Employees must be able to read, write, and speak English proficiently and in a professional manner.
Ability Demands:
Ability to understand and follow complex written and oral instructions. Ability to think strategically and bring forth ideas to make sure the IT function is operating at maximum efficiency. Ability to comprehend complex functions and procedures and to be able to disseminate that knowledge in a clear and understandable format to others. Ability to express oneself, clearly and concisely, both orally and in writing. Ability to prepare and maintain confidential records and reports. Ability to gather, assemble, correlate, and analyze facts and develop solutions. Ability to analyze statistics and financial data. Ability to assess needs of multiple members and prioritize requests to ensure that all members receive the highest quality of service possible. Ability to present a professional and personable personality that communicates to members and visitors that the credit union is a professional financial institution. Ability to interact with more than one department daily. Ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems or unique circumstances. Ability to use a rational and organized approach to completing tasks.
Position Details:
Job Title: Mortgage Loan Officer
Classification: Full-Time Benefited
Starting Pay Range: $24.50/hour DOE
Expected Start Date: Immediate Hire
Number of Available Positions: One
Location: 4011 Triple Crown Drive
How to Apply:
Interested candidates can apply here or submit resume via email to hr@sentinelfcu.org.