Mortgage Loan Officer

About the Organization Our History:
Carolina Trust's story began in 1958 as Myrtle Beach Air Force Base Federal Credit Union, serving the financial needs of military personnel and civil service employees.

With a desire to expand our service reach and directly influence the financial opportunities for individuals, families and small businesses in surrounding communities, the Credit Union applied for and received a Community Charter. In October 2001, we began serving those who live, work, worship, volunteer or attend school in Horry, Georgetown, Marion, Williamsburg, and southern Florence County. Carolina Trust was thrilled to remove membership barriers so that more people could experience the Credit Union difference and a lower-cost banking alternative.

Then, in 2018, we broadened our service area even further by expanding into Brunswick County, NC - less than 2 miles away from our Little River branch.

Who We Are:

At our core, we are people helping people. Since 1958, we've been helping people achieve their financial goals, small businesses get the financing they need, and our employees expand their career potential. Additionally, we actively support our local schools and charitable organizations. We want our members and employees to feel good about the good we do in their communities, and we will continue to build this reputation one relationship at a time.

Carolina Trust believes that before trust will be reciprocated, it must be earned with time, consistency and authenticity. We're the trustworthy faces you see around town, and we're proud of our Credit Union heritage of owners serving owners.

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.

Carolina Trust Federal Credit Union has a full-time,Mortgage Loan Officer position available at the main branch located on 21st Ave.

• Assumes responsibility for the effective and professional completion of assigned loan origination functions.
• Interviews, takes applications, and processes preliminary documentation on loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members.
• Performs follow-up work as necessary to achieve conditional approval within established time frames.
• Notifies member if loan is referred back to Officer because of problem ratios or credit ratings.
• Advises members of loan approval or denial. Explains loan denials precisely and clearly to members.
• Completes lending operations in accordance with established Credit Union policies and legal requirements.
• Assumes responsibility for establishing and maintaining effective and professional business relations with members, realtors and building professionals.
• Answers questions and requests and resolves problems.
• Informs members of Credit Union loan policies and services.
• Counsel members regarding money management and financial matters. Counsel members whose loan requests were denied, explaining reasons and alternatives.
• Maintains and projects the Credit Union's professional reputation.
• Assumes responsibility for establishing and maintaining effective communication and coordination with Credit Union personnel and with management.
• Coordinates functions with related departments and Branches and provides support as needed.
• Assists Mortgage Loan personnel and serves as a backup as needed.
• Keeps management informed of department activities and of any significant problems.
• Attends and participates in meetings and committees…