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Mortgage Loan Officer
VyStar Credit UnionMortgage Loan Officer responsible for originating first mortgage and equity loans at VyStar Credit Union. Providing quality service and ensuring compliance with mortgage lending policies and procedures.
About the role
Key responsibilities & impact- responsible for originating residential first mortgage and equity loans
- participates in related business development activities
- ensuring quality mortgage loan origination servicing in accordance with VyStar policies, practices and procedures
- counsels members and evaluates credit applications
- solicits residential mortgage loans and equity loans through contacts with realtors, builders, and personal referrals
- provides quality service to members seeking residential mortgage loans
- interviews applicants to develop financial needs and assist in determining acceptable credit risk
- obtains and analyzes financial and credit data
- enters data into the point of sale origination software
- discusses application with member and addresses questions about mortgage loan programs
- maintains communication with processor regarding mortgage loan file progress
- documents communication with the member and/or other interested parties in the mortgage origination software
- assists mortgage loan processor and closer to obtain documentation for a smooth mortgage loan process
- proactively communicates loan status throughout the process
Requirements
What you’ll need- minimum of two years prior experience in the mortgage industry preferably as a mortgage loan officer or mortgage loan interviewer
- proven production and proven track record in heavy customer contact
- self-disciplined and goal oriented worker
- demonstrated ability to work independently
- superior communication skills
- familiarity with conventional, VA, FHA, and equity loan financing
- knowledge of all regulations governing mortgage lending
- well versed in private mortgage insurance and secondary market lending guidelines
- high school diploma or its equivalent, however a two-year college degree or higher is preferred
- must meet and maintain all requirements as a registered mortgage loan originator employed by a Federally regulated Institution with the Nationwide Mortgage Licensing System and Registry (NMLS)
Benefits
Comp & perks- competitive pay
- excellent benefit package that includes a 401(k) Plan
- extensive paid technical and on-the-job training program
- tuition reimbursement for full and part time employees
ATS Keywords
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Hard Skills & Tools
Mortgage Loan OriginationCredit Application EvaluationFinancial Data AnalysisPoint of Sale Origination SoftwareConventional Loan FinancingVA Loan FinancingFHA Loan FinancingEquity Loan FinancingPrivate Mortgage Insurance KnowledgeSecondary Market Lending Guidelines
Soft Skills
Superior Communication SkillsSelf-DisciplineGoal OrientationIndependent Work
Certifications
NMLS Registration