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Mortgage Loan Officer
WCCU Credit UnionMortgage Loan Officer at Westby Coop Credit Union handling loan origination and processing for clients. Assisting members in completing loan applications and conducting interviews for financial assessments.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in mortgage loan origination, including knowledge of real estate loan policies, credit granting criteria, and financial service industry regulations. Proficient in conducting interviews, analyzing loan applications, and completing loan documents accurately and timely.
Highest-signal resume keywords
Mortgage Loan Origination ExperienceKnowledge of Real Estate Loan PoliciesInterviewing SkillsProficient in Microsoft SuiteUnderstanding of Financial Service Industry Standards
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Debt-to-Income Ratio CalculationLoan-to-Value Ratio CalculationLoan Document CompletionLoan Disclosure AccuracyCredit Bureau Report Analysis
Soft Skills
Sales ExperienceCustomer Service Skills
Industry Keywords
Lending LawsMortgage LendingLoan Application ProcessInterest RatesReal Estate Activity
About the role
Key responsibilities & impact- Gathers background information on loan applicants by interviewing loan applicants and obtaining credit bureau reports.
- Assists members with the loan application process to ensure completeness of information.
- Calculates debt-to-income and loan-to-value ratios on loan applicants.
- Reviews and denies or approves loan applications up to authority limits.
- Completes loan documents and loan disclosures accurately and timely, per lending laws and regulations.
- Researches, analyzes and reports on all information impacting area of expertise, including interest rates, real estate activity, title companies, attorneys, and appraisers.
- Travels to different branch locations daily and weekly to support and grow business.
- Conducts loan closings with applicants reviewing final closing documents and figures.
Requirements
What you’ll need- Bachelor’s degree in business or a related field.
- 2-3 years minimum mortgage loan origination experience in a mortgage lending department.
- Knowledge of the real estate loan policies, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan needed.
- Knowledge of interviewing skills and techniques required.
- Professional sales experience beneficial.
- Proficient knowledge of the Microsoft Suite (Outlook, Word, Excel, PowerPoint).
- Knowledge and ability to apply current financial service industry standards, laws, and regulations.
Benefits
Comp & perks- Maintain the confidentiality of all information processed.
- Complies with applicable mortgage laws, regulations, company guidelines, etc.
- Health insurance
- Professional development opportunities