Mortgage Loan Officer

Job Details

Location:

Admin Building - Saint Charles, MO 63304

Position Type:
Full Time

Education Level: High School

Job Category:
Banking

• Interview members from assigned branches applying for residential mortgages to ensure all pertinent information/data is collected.
• Perform preliminary analysis of mortgage applications to ensure members qualify for the loan based on the information provided at the time of application.
• Prepare and send initial disclosures to members so that government regulations are met and members are informed.
• Be knowledgeable of underwriting criteria and pricing, including FNMA and FHLMC underwriting guidelines.
• Network with internal business partners, branches, and external business partners to grow the existing database further.

Incumbent should possess three years of increasingly responsible experience in mortgage lending and be familiar with the loan origination functions.

Be familiar with all credit union services and possess the ability to cross‑sell to members.

Able to retain and expand internal & external business partners.

Maintain compliance with the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).

MLOs at Mortgage Solutions, LLC must maintain professional state‑licensing requirements.

• Excellent oral, written and listening skills; ability to handle pressure.
• Effective communication with all levels of personnel.
• Ability to work on several projects simultaneously and satisfy required objectives while providing exceptional service to the membership.
• Positivity and teamwork with other team members.

A college degree in a business‑related field or equivalent to five years of financial institution experience, specifically in mortgage lending, is preferred.

Experience with ICE Mortgage Technology and Encompass software preferred.

Attendance of required credit union industry seminars, workshops, and conventions.

Occasionally remain in a stationary position (standing or sitting for prolonged periods).

Occasional travel or moving from one office location to another or from one department to another at the headquarters building.

Occasional lifting, moving, or adjusting objects up to 20 pounds.

Constant communication with others through various channels, including verbal, email, and chat, which may require consistent use of a keyboard and mouse or other electronic device.

Work will be in a commercially reasonable temperature‑controlled environment.

Occasional temporary exterior site review, potentially in outdoor elements of wind, rain, or snow.