Mortgage Loan Officer

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees.  Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Mortgage Loan Officer

ACCOUNTABILITY STATEMENT The incumbent is responsible for originating residential first mortgage and equity loans and participates in related business development activities. The incumbent ensures that members receive quality mortgage loan origination servicing in accordance with VyStar mortgage lending policies, practices and procedures. The incumbent counsels members and obtains the information needed to evaluate credit applications.

ESSENTIAL JOB FUNCTIONS

• Originates residential mortgage loans and solicits residential first mortgages and equity loans through contacts with realtors, builders, developers and personal referrals. Provide quality service to members and potential members seeking residential mortgage loans.

• Interview applicants to develop information concerning their financial needs, desires and earnings to assist in determining whether the loan will be an acceptable credit risk. Obtain and analyze pertinent financial and credit data. Enters data into the point of sale origination software to complete the loan application.  Discusses application with member, counsels and answers member questions concerning mortgage loan programs. Requests any additional information required to complete the loan application package prior to submission for processing.

• Generally provides the required three day disclosures along with other pertinent mortgage  disclosures to the member electronically however, may be required to provide them in paper form should the member decline to accept them electronically.   Maintain communication with processor regarding progress of each mortgage loan file and communicate status and information to member.

• Acts as main point of contact for information and guidance for member. Documents communication with the member and/or other interested parties in the loan transaction in the mortgage origination software application.

• Assists the assigned mortgage loan processor and closer to obtain documentation to ensure a smooth mortgage loan process.  Proactively communicates status of loan throughout the loan process.

• Makes a concerted effort to attend the mortgage loan closing with the member. 

• Reviews monthly production reports with the Mortgage Loan Officer Managerto ensure goals are being met. 

• Cross sells other credit union services. 

• Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the processing unit to consistently practice and demonstrate.

• Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with corporate defined values and ethics.

• Consistently demonstrates VyStar Excellence with providing service to the membership, credit union employees, and third party vendors.

• Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals.

• Identify and make recommendations to department Mortgage Origination Management regarding process improvements, quality service and increased efficiencies within the department.

• Performs other duties as assigned.

VYSTAR EXCELLENCE

Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:

• Focus  Focus your full attention by carefully listening to and observing client or member.

• Connect Consistently be friendly and approachable.  Demonstrate your care.

• Understand Listen empathetically and ask questions (70%/30% rule).

• Counsel Recommend solutions based on your  member’s needs and objectives.

• Advance  Ensure that member’s expectations were exceeded.

Verify necessary follow-up actions.

JOB KNOWLEDGE, SKILLS & ABILITIES

The incumbent must have a minimum of two years prior experience in the mortgage industry preferably as a mortgage loan officer or mortgage loan interviewer in a direct member contact capacity with a financial or mortgage lending institution. Incumbent should have a proven production and proven track record in heavy customer contact. Must be self-disciplined and goal oriented worker with a demonstrated ability to work independently. Superior communication skills are required.

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