Mortgage Loan Officer Belmar, Cherry Creek or Quincy Place

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Regular Full-Time Professional Aurora, CO, US

Here at Westerra Credit Union, every employee counts. Our teams are made up of high-performing individuals committed to being HONORABLE
, INVENTIVE
, and CURIOUS – qualities that make us GREAT
! Each person brings their authentic self to work every day, and we want you to feel comfortable being YOU
.

All of our team members work towards a shared purpose: to teach one another to prosper. We strive to be a modern financial community where we all truly belong, both for our employees and the members we serve. We look forward to seeing how you will contribute to this purpose by positively impacting our members’ lives through personal attention, financial education, community engagement, and more.

This is true for every role, as we are all member-facing.

Founded by schoolteachers in 1934, we are a learning organization at our core. We embed a growth mindset in our employees, ensuring that we all prosper together! If you’re ready to make an impact and join a community where you can grow, belong, and thrive, we encourage you to apply today and help shape the future of Westerra!

The Member Direct Mortgage Loan Officer is responsible for assisting members and potential members through the mortgage loan application process, counseling applicants and working with operations staff throughout the process. A primary focus is on developing leads generated by WCU current member base and other referral lead sources given by WCU while managing current member referrals as well. Member Direct MLO’s will work in conjunction with their Contact Center and Consumer Lending Call center partners to provide superior service to our members.

The role is responsible to be staffed and available in call queue as well as outbound dialing to generate new business with leads given by Westerra, conducting sales related activities to meet loan volume origination goals.

• Work in conjunction with your contact center partners to provide superior service to our members assisting them with their mortgage needs
• Develop and build relationships with existing and new borrowers to gain referrals and applications
• Outbound calling from lead sources provided by Westerra
• Promote Westerra’s portfolio and secondary market mortgage products
• Utilize established tools and processes to manage new leads received from Westerra or other referral partners to ensure highest level of conversion to new applications
• Conduct a thorough and detailed interview with members and potential new members to identify their financial needs and advise members on products for consideration.
• Maintain detailed knowledge of agency guidelines and Westerra loan programs.
• Evaluate and structure first and closed end second mortgage applications.
• Initiate and guide members timely through a detailed and comprehensive loan application process Loan Operating System (LOS) according to established department policies, processes and procedures.
• Analyze credit profile, run initial automated underwriting engine (DU), follow findings and/or company product guidelines.
• Obtain and review all initial documentation for completeness, accuracy and adherence to the Credit Union’s quality standards for due diligence and data integrity.
• Ensure all appropriate disclosures and required documents are issued within the required time frames to meet compliance standards including but not limited to TRID, HMDA, RESPA, Reg Z, Reg B, ECOA, and/or the Credit Union’s lending policies.
• Communicate in a continuous and timely manner with all parties involved in the transaction (internal and external) to ensure clarity, according to Westerra’s established service standards.
• Properly document all communications in the LOS.
• Maintain a high level of confidentiality.
• Production requirements are a minimum of 3-month rolling average of $2,000,000 a month in closed first/second mortgage loans after the first six (6) months…