Virginia Credit Union · 22 hours ago
Mortgage Loan Officer - Lynchburg Area
Lynchburg, VA
Full-time
Onsite
Mid LevelVirginia Credit Union is seeking a Mortgage Loan Officer to assist members in obtaining first mortgage loans. The role involves developing business relationships, processing applications, and providing excellent member service throughout the mortgage process.
AdviceBankingFinanceFinancial ServicesMortgage
Responsibilities
Interview members for first mortgage loans including purchase and refinance transactions. Assist members with understanding the homeownership process or other related mortgage products, including conventional and government lending programs. Present mortgage options that balance leverage and home affordability
Facilitate homeownership programs and seminars. Assist in the development of marketing strategies to deepen mortgage relationships with members
Consistently communicates with members their application status, (approval, denial, additional documentation, etc.), and current interest rates. Responsible for ensuring interest rates are locked in conformity with VACU policies
Conducts preliminary underwriting reviews to assess secondary market standards (where applicable) or VACU guidelines. Submit complete applications to processing and underwriting using computer technology
Assist in obtaining information for timely processing of all mortgage loans. Verify supporting documentation including, but not limited to, employment history, deposit information and other documentation related to the application
Comply with Regulations B, X and Z regarding the completion of required disclosures including, but not limited to, the Good Faith Estimate, Truth in Lending, Potential Transfer of Servicing Form, and if required, the Adverse Action notice
Promotes VACU mortgage products at branch locations, VACU finance seminars, and cross promotes other VACU financial services options such as consumer lending, investment services, property and casualty insurance, title and settlement services, and VACU Realty / Select and Joyner Fine Properties
Complete all required BSA and OFAC training and other required learnings. Report all suspicious activity to Security
Other duties may be required and assigned by the manager
Qualification
Required
High School Graduate
Significant conventional and government loan experience required
Excellent knowledge of mortgage documentation as well as federal, state, and local real estate regulations required
Excellent oral and written communication skills
Strong member service and sales ability as demonstrated by monthly sales volume of $1mm of funded loans per month
Strong problem solving and organizational skills
Ability to analyze financial information
Must be a team player
Computer experience required
Must be able to be actively registered with the Nationwide Mortgage Licensing System and Registry (NMLS)
Preferred
College graduate preferred, but not required
Prior experience building Dealer/Realtor relationships and marketing mortgage products preferred
Retail and Branch banking experience preferred
Experience using ENCOMPASS/VELOCIFY/BLEND automated underwriting system a plus
Company
Virginia Credit Union
Virginia Credit Union provides banking, financial seminars, and advisory services.
Founded in 1928
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$0.07MKey Investors
National Credit Union FoundationVizo Financial Corporate Credit Union
2024-09-26Grant· $0.06M
2024-05-15Grant· $0.01M
Leadership Team
Stephanie Vick
EVP/CFO
Christopher Saneda
Sr. Executive Vice President - Chief Operating Officer
Recent News
Virginia Credit Union
2025-10-09
Virginia Credit Union
2025-08-21
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