Mortgage Loan Officer

WHO We Are

Self-Help started in 1980 with a focus on economic inequality especially in communities that have faced systemic barriers to building wealth. At the core of what Self-Help does is a drive to create and protect ownership and economic opportunity. In other words, we're committed to economic justice! Economic Justice means that all communities have the basic infrastructure they need to thrive, from high-quality schools to grocery stores selling fresh food resources that support opportunity at a neighborhood level regardless of demographics, income, or wealth.

Since our founding, we've constantly sought new ways to pursue greater economic justice: from providing fair and affordable loans to working with partners to demand that lawmakers change unjust policies.

Self-Help started in 1980 with a focus on economic inequality especially in communities that have faced systemic barriers to building wealth. At the core of what Self-Help does is a drive to create and protect ownership and economic opportunity. In other words, we're committed to economic justice! Economic Justice means that all communities have the basic infrastructure they need to thrive, from high-quality schools to grocery stores selling fresh food resources that support opportunity at a neighborhood level regardless of demographics, income, or wealth.

Since our founding, we've constantly sought new ways to pursue greater economic justice: from providing fair and affordable loans to working with partners to demand that lawmakers change unjust policies.

Provide information on credit union products and services to potential borrowers according to all credit union policies and procedures as well as Federal and State rules and regulations. Interviews all applicants for real estate loans. Prepares, analyzes, processes and documents all required forms and related documents for real-estate loans. Approves or denies loan applications based on analysis of each applicants background.

Responsible for promoting credit union products and services to ensure meeting productivity goals.

• Meet with loan applicants to discuss viable mortgage options, counsel on credit and budget, develop roadmap and process for mortgage approval and assist with the loan application process. Achieve productivity goal as set forth by manager.
• Prequalify loan applicants by examining all borrower information and documentation, assessing credit-worthiness, adequacy of income, credit and collateral and calculating repayment risk. Determines the maximum purchase price/loan amount based on borrower data. Approve or deny real-estate loan applications that do not meet pre-qualification standards, and explain reasons for denial.
• Gather and review necessary data to complete the loan review process including credit bureau reports; verifying debts and estimating monthly payments for any outstanding debts not listed on application and ensuring they are added to application.
• Comply with all federal and state mortgage regulations and disclosure requirements.
• Prepare mortgage loan application and documentation for underwriting and closing. Ensure that each real-estate loan is processed accurately, troubleshoot any issues that may arise during the processing period, and maintain communication with borrower throughout processing period, as needed.

• Develop mortgage loan business through continual identification, development and maintenance of a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. This network may consist…