Mortgage Loan Officer

• 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 loan closing
• Determine applicants' qualifications
• Provide detailed information about mortgage and equity loan products
• Clarify complexities of the mortgage/equity loan process
• Evaluate, personalize, and recommend financing alternatives
• Build and maintain referral relationships with realtors, builders, and other centers of influence
• Analyze referred loans and determine appropriate actions for areas of concern
• Advise members on approved loan conditions and documentation requirements
• Ensure required mortgage processing information and documentation is complete
• Maintain contact with members, Realtors, and sellers throughout the loan process
• Monitor mortgage loan processes for compliance with applicable laws, regulations, and guidelines
• Remain available during scheduled evening hours and assigned days off, including weekends
• Request and obtain required documentation and forward it to the Mortgage Processor
• Conduct outside marketing and promotional activities through presentations, local events, and realtor/trade shows
• Resolve operational and processing issues, inquiries, and complaints
• Review applications for completeness, data integrity, and accuracy

• 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
• Advanced knowledge of Navy Federal Mortgage Production and/or Servicing Systems is desired
• Availability Monday-Friday, 8:30 AM-5:00 PM, plus scheduled evening and assigned days-off coverage

Demonstrates expertise in mortgage lending processes, including application, processing, and compliance with regulations. Possesses strong interpersonal skills to build relationships with members and industry partners while effectively communicating complex information.

• Mortgage Loan Processing
• Mortgage Lending Regulations
• VA Loan Programs
• Advanced Word Processing Skills
• Public Speaking

• Mortgage Application Review
• Loan Qualification Analysis
• Documentation Requirements
• Financing Alternatives Evaluation
• Data Integrity Assessment

• Interpersonal Relationship Building
• Problem Resolution
• Effective Communication
• Customer Service Orientation

• Nationwide Mortgage Licensing System Registration

• Mortgage Lending Industry
• Equity Loan Products
• Compliance Monitoring
• Realtor Relationships
• Automated Systems Proficiency

• Navy Federal Mortgage Production Systems
• Spreadsheet Software