- Generate closed loans through both inbound leads and outbound calling efforts.
- Support incoming calls from both mortgage and home equity inbound calling queues.
- Make outbound calls from provided lists to achieve lending goals.
- Focus on meeting the lending needs of current MCU members and prospects.
- Pre-qualify prospective borrowers; prepare preliminary Loan Estimate (LE), initial disclosures, amended disclosures and Rate Lock agreement in compliance with RESPA and other compliance requirements.
- Lending focus includes Mortgage and Home Equity.
- Cross sale MCU products and services.
- Review the sales contract, income, assets and debt information to ensure applicants meet MCU's minimum standard guidelines.
- Complete and collect required documentation prior to submitting a loan application.
- Manage personal pipeline in accordance to department standards and compliance requirements.
- Counsels members on the reasons for denial and advises how to improve their financial position and credit score.
- Understands and demonstrates expert knowledge of products and services offered at Municipal Credit Union
- Identify opportunities to offer additional products and services.
- Participate in ongoing training and development approved by HR and Management.
- Travel as required.
- Perform other related duties as requested and special projects as assigned.
- College Degree preferred or equivalent work experience.
- Minimum 2 years of experience in service related banking.
- Ability to perform in a high-volume environment and meet deadlines while maintaining exceptional attention to detail.
- Technologically proficient.
- NMLS will be required
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Inside Mortgage Loan Officer - Elmont, United States - Municipal Credit Union
Description
Job Description
Job DescriptionAbout MCU:
At Municipal Credit Union, we believe that an incredible culture helps create a happy and motivated team that works hard to achieve the best results for themselves and their members. For more than 100 years, MCU has provided affordable financial products and convenient services to a membership base that is now comprised of over 500,000 individuals. With each new generation we have the pleasure of interacting with, we maintain the credit union promise of people helping people.
Overview: This position is responsible for converting self-sourced leads optioned from networking and referrals from centers of influence (COI). In addition to self-sourced referrals this position will be responsible for converting leads that are referred by other MCU lines of business. This position is responsible for converting self-sourced leads received from outside referrals and at the branch into loans by promoting the credit unions' real estate and consumer lending products, services, and programs. Interview members and prospects to obtain relevant information and evaluate applicants' financial status, review credit history, debt-to-income ratio, and appraisal reports, to determine and recommend an appropriate loan product. Ensure compliance with MCU loan policy, federal, state and NCUA rules, regulations and laws.
Responsibilities:
Specific duties include, but are not limited to, the following:
Requirements:
Our Core Values are an integral part of who we are and who we hire. By living our Core Values, every day, we continue to attract the best and brightest talent, achieve unsurpassed results and continuously challenge ourselves to be better than yesterday. These values are at the heart of our organization and within every teammate. To be a great fit, you'll bring the following:
Results – You'll look to achieve the best outcomes for our members. Continuously track and measure everything, and use it to always improve. Be proactive, not reactive.
Agility – You'll remain agile in your decision making, planning, and delivery; using curiosity and creativity to see situations from all perspectives.
Integrity – You'll act professionally and positively. Build trust, be upfront and communicate thoroughly.
Teamwork – You'll work to achieve common goals as part of ONE TEAM.
Ownership – You'll hold yourself and others accountable and remain committed to our obligations while caring about the outcomes as much as an owner would.
Belonging – You'll embrace and environment in which any individual or group can be and feel welcomed, respected, supported and valued.
We stand by our mission to connect our members and communities with an exceptional financial future and we are looking for individuals who share this same purpose to take this journey with us.
What we can offer you:Competitive compensation, medical and dental benefits.
401K with employer match
We are committed to hiring, training, cultivating, promoting, and celebrating an environment where we have a welcoming and fulfilling place for all people to call home. Diversity of race, thought, sexual orientation, age, veteran status, religion, and disability will empower us to thrive as individuals, as teams, and as an organization.
Municipal Credit Union (MCU) is an Equal Opportunity Employer.
Municipal Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
