Summary
We are seeking motivated Remote Mortgage Loan Officers to join our team. As a Mortgage Loan Officer, you will educate and guide prospective mortgage applicants on finding the best home loan options tailored to their financial needs, while ensuring compliance with Credit Union and regulatory standards. You’ll play a crucial role in delivering personalized member service by fostering… positive relationships with members and external partners across all communication channels.
Responsibilities
• Develop and cultivate new business relationships with external partners.
• Engage local realtors to increase mortgage loan volume and support organizational objectives.
• Foster community relationships to generate loan referrals to the Real Estate Department.
• Plan and host TCU sponsored events and training sessions to enhance brand awareness and build productive business connections.
• Strategize territory plans to optimize realtor engagement and meet marketing goals.
• Analyze industry data to refine marketing strategies and enhance loan volumes.
• Provide detailed monthly summaries of networking activities, including market trends, competitor impacts, and recommendations for improving lending penetration.
• Originate mortgage loans in accordance with TCU policies and regulatory guidelines, ensuring accurate disclosures and document submission.
• Pre-qualify members for various mortgage programs and assist in renegotiating loan terms when necessary.
• Monitor loan pipeline to ensure timely processing and act as the main contact for members throughout the application process.
• Represent TCU professionally within the community to bolster brand reputation and foster loan growth.
• Maintain up-to-date knowledge of TCU products, services, and real estate lending regulations through training and attendance at industry events.
Skills
• Profound understanding of real estate lending criteria and federal/state regulations.
• Strong communication skills, both verbal and written.
• Detail-oriented with the ability to work independently and achieve goals with minimal supervision.
• Demonstrated business development and sales acumen.
• Familiarity with TCU’s Real Estate loan programs.
• Ability to tailor communications to various audiences effectively.
• Proven track record in account management and building lasting business relationships.
• Competence in preparing and delivering effective presentations.
• Professional interaction skills with diverse stakeholders.
Requirements
• Reporting directly to the Manager, Mortgage Loan Officers.
• Bachelor’s degree in Marketing, Sales, or related field preferred, or equivalent professional experience.
• Minimum of 4 years of experience as a Loan Officer.
• At least 3 years of self-sourced mortgage business experience with a minimum monthly closing of $1 million.
• Strong references and an established realtor network.
• Ability to travel within assigned territory, approximately 75% of the time, including evenings and weekends.
• Compliance with the Bank Secrecy Act and National Mortgage Licensing System (NMLS) registration requirements.
Compensation: 100% Commission with a Recoverable Draw
Benefits
The company offers a comprehensive benefits package including competitive medical, dental, and vision insurance, mental health support, employee performance incentives, a generous 401(k) program with immediate employer match, ample holiday and vacation policy, and exclusive TCU perks.
Employment Type: Full-Time
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