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Deseret First Credit Union · 2 months ago

External Mortgage Loan Officer

United States

Full-time

Remote

Entry, Mid Level

1+ years exp

Deseret First Credit Union is a highly regarded company known for its positive culture and employee benefits. They are seeking a motivated Mortgage Loan Officer who will independently originate mortgage loans, focusing on business development and client management.

BankingConsultingFinancial ServicesLending

Comp. & Benefits

Responsibilities

Generate and cultivate a robust pipeline of mortgage loan opportunities through proactive outreach, networking, and marketing efforts

Develop and maintain relationships with real estate professionals and prospective borrowers to promote the credit union’s mortgage products

Evaluate borrower financial information to determine creditworthiness and mortgage eligibility in compliance with credit union policies and regulatory standards

Educate clients on mortgage products, rates, and lending guidelines to facilitate informed decision-making

Manage the entire loan process from application through closing, coordinating with internal teams and external partners to ensure timely, accurate loan closings

Maintain ongoing communication with borrowers, providing updates and requesting necessary documentation throughout the loan lifecycle

Maintain thorough and compliant documentation to meet regulatory and credit union standards

Stay informed on industry trends, market conditions, and product offerings to provide expert advice

Cross-sell other credit union services to members as appropriate

Represent Deseret First Credit Union professionally and ethically in all business dealings

Qualification

Mortgage loan originationMortgage productsNMLS certificationCommunication skillsOrganizational skillsBasic computer skillsEncompass Software knowledgeNegotiation skillsInterpersonal skillsTime management

Required

High School diploma or equivalent required

1-3 years minimum experience, ideally 2-5 years mortgage loan officer or similar

Proven experience as a Mortgage Loan Officer or similar role, preferably with demonstrated success in generating independent business

Deep knowledge of mortgage products, lending regulations, and compliance standards

Exceptional communication, negotiation, and interpersonal skills

Strong organizational skills and ability to manage multiple clients and deadlines independently

Self-motivated with a strong entrepreneurial spirit and ability to work remotely without direct supervision

Active NMLS number is required

Excellent communication and interpersonal skills

Ability to sell mortgage loans to members by explaining and communicating loan products and services of the credit union

Maintains confidentiality

Good time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously

Must have the ability to read and interpret documents such as real estate purchase contracts, loan program guidelines, tax returns, income documentation, credit reports and preliminary title reports

Basic word processing and computer skills required