Mortgage Loan Officer - Harford

Where Banking Feels Like Belonging

At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co-workers and communities - helping to navigate life’s little and big moments.

The External - Mortgage Loan Officer (MLO) will originate residential mortgage loans by building relationships with third-party referral sources, APGFCU branches and borrowers. Responsible for meeting production targets via the origination of first mortgage and home equity real-estate loans through full-time outside sales initiatives. Partner with local realtors and real estate offices and other relationship-based businesses such as financial planners, insurance agents and attorneys to drive referrals to APGFCU mortgage lending.

• Business Development :
  Actively solicit business opportunities by networking with realtors, builders, community partners, and APGFCU branches. Presents the credit union’s mortgage products and services while maintaining high levels of professionalism and member service.
• Client Consultation: Meet with prospective borrowers to analyze their financial situation, discuss goals, and recommend appropriate mortgage products. Consider Conventional, Jumbo, VA, FHA, USDA and Home Equity financing options.
• Loan Origination: Collect, review, and verify all necessary financial documentation (tax returns, bank statements, income records) to submit a complete loan package to underwriting, adhering to all applicable regulations.
• Relationship Management: Maintain consistent professional communication with clients, realtors, branch personnel and internal processing teams to guide the loan from application to closing.
• Schedule: The ability to work a flexible schedule to accommodate the schedules of our partners and member / buyers, including evenings and weekends.
• Realtor/Partner Communication. With prior approval of the member/buyer, provide regular and timely loan status updates to referring partner.
• Service : Consistently demonstrate exceptional member service, as evidenced by member satisfaction surveys and referring partner testimonials.
• Cross-Sell : Recognize and pursue cross-sell opportunities, including auto, credit card and share accounts.
• Workshops/Expos: Represent the credit union at First Time Homebuyer-related Workshops, Realtor Expos, and local housing agency events. Cultivate relationships with local housing agencies for the purpose of promoting credit union First Time Home buying programs.
• Additional: Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).

Education: Associate degree required, Bachelor’s Degree preferred. Experience may be substituted in lieu of degree.

Experience: Three years or more of outside mortgage sales experience.

Registration: In accordance with the SAFE Act requirements, all applicants for employment in the Mortgage Consultant role will be required to register or renew with the National Mortgage Licensing System (NMLS) and maintain a status in good standing.

• Proficient knowledge of Conventional, VA, FHA, USDA and Jumbo loan financing
• Experience reading and interpreting tri-merge credit reports and DU or LP findings
• Proficient knowledge of secondary mortgage market underwriting, pricing, operations and requirements
• Initiative to call on prospective business sources with confident and professional demeanor
• Excellent communication skills, including interviewing prospective borrowers and the ability to effectively communicate to all levels both orally and in writing.
• Requires strong negotiating and decision‑making skills with the ability to resolve disputes and be able to work in a fast‑paced and dynamic environment.
• Technologically proficient with systems, standard office software and other tools
• Highly self‑motivated with ability to work well in a team environment

Travel:
Extensive travel is often required to…