24 days old

Mortgage Loan Officer- Phoenix, AZ

OneAZ Credit Union
Phoenix, AZ 85027
  • Job Code
  • Jobs Rated
Our ideal candidate will:
  • Fulfill existing member mortgage needs through proactive conversations to deepen relationships and uncover member goals and objectives
  • Deliver a quality, member-centered, experience resulting in an understanding of members full financial needs and objectives, referring member to internal business partners for fulfillment as identified
  • Drive new members to the organization by developing referral relationships with community real estate professionals resulting in acquisition of new mortgage loans
  • Develop long term relationships with outside community professionals, internal business partners, and members resulting in referral business
  • Achieve 20% production from outside resources and 80% production from internal resources

Why join the OneAZ team?

Our culture is one-of-a-kind! Youll be joining a team of friendly, hardworking, helpful associates with the same mission guiding all that we do: We exist to improve the lives of our members, our associates and the communities we serve.

We are proud to be an equal opportunity employer and value diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

We offer robust benefits including low-cost medical, dental and vision plans, gym reimbursement, paid parental leave, generous personal days and vacation time, and an award-winning 401(k) program among many others.

Take a look at our career page for detailed benefit information: www.oneazcu.com/about/careers/

A typical day might include the following:

  • Act as ambassadors within their communities on behalf of OneAZ Credit Union
  • Assist members with their mortgage needs by taking inbound calls, emails, or referrals, and conducting outbound calls
  • Conduct thorough and professional phone interviews, exceeding member expectations and delivering a high-quality experience
  • Being responsible for interviewing applicants for real estate loans and originating applications consistent with credit union policies and all applicable Real Estate-specific NCUA, federal, wholesale and secondary market real estate lending rules and regulations
  • Gather background information and analyzes loan applicants' credit history
  • The ability to liaison between multiple Real Estate Lending teams, branches and branch associates. members, and credit union departments
  • Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS
  • Effectively responds to inbound mortgage channels to originate mortgage loans, following up in a timely manner, working within a fast-paced environment
  • Proactively contacts external business partners and potential members by conducting outbound calls to generate new business
  • Delivers a quality, professional, and thorough experience through telephone and email channels
    Interviews applicants and requests specified information for loan application. Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation
    Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation
    Corresponds with or interviews applicant or creditors to resolve questions regarding application information
    Compiles loan package and facilitates negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms
    Required to accurately use multiple computer programs in completing work, including Mortgage Cadence, MS Word, MS Excel, MS Windows, HMDA Reporting, and other computer programs as required
    Adheres to all internal policies and federal regulations regarding origination of mortgage loan and applicable deadlines
    Identifies and analyzes potential loan markets to develop prospects for residential real estate loans
    Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations
    Promotes and cross-sells other establishment products and services as appropriate to member requirements
    Actively participates in scheduled call nights, call blocks, to conduct outbound calls to centers of influence, new members, and potential members
    Completes regular educational and compliance courses to stay abreast of internal and industry changes
    Develop an understanding of Credit Union philosophy, organization, bylaws, and operational procedures and comply with the requirements of the Bank Secrecy Act, AML, OFAC and all other applicable State and Federal Financial Institution Regulations
  • Other duties as assigned
Education and/or Experience we are looking for:
  • Bachelor's Degree preferred
  • Minimum two years residential lending experience
  • Thorough knowledge in loan origination and closing requirement for conventional, constructions, and non-conforming portfolio loan programs

Additional Notes:

Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws.

All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws.

Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC).

Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.



Jobs Rated Reports for Loan Officer

Posted: 2021-04-15 Expires: 2021-05-16

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Mortgage Loan Officer- Phoenix, AZ

OneAZ Credit Union
Phoenix, AZ 85027

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Loan Officer
44th2019 - Loan Officer
Overall Rating: 44/199
Median Salary: $63,040

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