Mortgage Loan Officer II

Responsibilities

• Interview and counsel members about first mortgage loans and take mortgage loan applications
• Establish and maintain personal relationships with members
• Guide and follow mortgage loans from initial application through closing
• Analyze referred loans, identify concerns, and determine appropriate actions
• Advise members on approved loan conditions and documentation requirements
• Ensure required processing information and documentation is complete, accurate, and included
• Maintain contact with members, Realtors, and sellers throughout the loan process
• Monitor mortgage processes for compliance with federal laws, Navy Federal, NCUA, and secondary-market requirements
• Request documentation and forward it to the Mortgage Processor
• Respond to application, processing-status, and customer inquiries; resolve operational issues and complaints
• Conduct outside marketing and promotional activities through financial presentations, local events, and realtor/trade shows
• Review applications for completeness, data integrity, accuracy, and additional documentation needs
• Perform other duties as assigned

• Ability to work effectively and efficiently with automated systems
• Experience in the mortgage lending industry
• Working knowledge of mortgage lending requirements, regulations, and procedures for VA and conventional loan programs
• Working knowledge of mortgage/equity loan processing, closing, documentation requirements, and regulations
• Required to register with the Nationwide Mortgage Licensing System and Registry before assuming employment duties, including fingerprinting and background checks
• Advanced skill in comprehending, analyzing, applying, and communicating complex written legal documents
• Advanced skill speaking and/or presenting in front of groups in a professional setting
• Advanced word processing and spreadsheet software skills

Demonstrates expertise in mortgage lending processes, including application, processing, and compliance with federal regulations. Proficient in analyzing loan documentation and effectively communicating with members and stakeholders throughout the loan lifecycle.

• Mortgage Lending Experience
• Knowledge Of VA And Conventional Loan Programs
• Advanced Document Analysis Skills
• Effective Communication And Presentation Skills
• Compliance Monitoring

• Mortgage Loan Processing
• Loan Application Analysis
• Documentation Requirements
• Data Integrity Review
• Automated Systems Proficiency

• Relationship Building
• Problem Solving
• Customer Service

• Nationwide Mortgage Licensing System Registration

• Mortgage Lending Industry
• Federal Laws
• NCUA Regulations
• Secondary-Market Requirements
• Financial Presentations

• Word Processing Software
• Spreadsheet Software