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Sunward · 1 month ago

Senior Mortgage Loan Officer

Durango,CO,US

Full-time

Onsite

Mid, Senior Level

4+ years exp

Sunward is a company focused on mortgage lending, seeking a Senior Mortgage Loan Officer to manage lending and sales activities. The role involves originating, evaluating, and closing mortgage loan applications while providing exceptional service and mentoring less-experienced colleagues.

BankingFinancial ServicesNon Profit

Comp. & Benefits

Responsibilities

Independently interviews and processes mortgage loan applications through multiple channels, including appointments, web applications, phone, and walk-ins

Originates, evaluates, and closes a broad range of mortgage loan products, including construction loans, handling complex or high-value transactions with minimal assistance

Conducts in-depth credit and financial assessments, analyzing supporting documentation (e.g., paystubs, W-2s, tax returns, asset statements) to evaluate creditworthiness and structure optimal loan solutions

Reviews property-related documentation, including purchase agreements, warranty deeds, real estate contracts, and related materials, ensuring accuracy and alignment with lending standards

Discloses loan applications accurately and in a timely manner, ensuring compliance with all applicable state and federal regulations

Documents approval or denial decisions with clear reasoning and supporting documentation in loan notes, exercising independent judgment and sound decision-making

Provides a highly consultative and personalized member experience by actively listening, assessing needs, explaining product features and benefits, and recommending tailored solutions

Educates members on mortgage products, creditworthiness, underwriting guidelines, interest rates, and financial planning to enable informed decision-making

Manages a robust personal pipeline of loan opportunities, balancing volume and quality, prioritizing leads, following up regularly, and ensuring accurate status updates

Builds and executes strategic plans for territory and referral network growth, cultivating relationships with realtors, builders, referral partners, and internal branch teams

Identifies and applies cross-sell and ancillary product opportunities based on member needs and long-term financial goals

Applies advanced knowledge of lending products, underwriting criteria, regulatory requirements, and risk management practices; anticipates and mitigates potential risks

Exercises independent judgment in complex situations, including loan structuring and issue resolution, escalating only when necessary

Leads and mentors less-experienced loan officers, supporting their training, development, and sharing best practices to improve team performance

Participates in outreach events, seminars, and community engagement to expand business opportunities and strengthen member relationships

Engages in ongoing professional development, attending training, seminars, and workshops to maintain and enhance product, regulatory, and process knowledge

Collaborates with branch teams and internal partners to optimize lead generation, pipeline progression, and member satisfaction

Strives to exceed individual and department origination goals while maintaining a high standard of service

Performs other duties as assigned by management

Qualification

Mortgage lending experienceNMLS registrationCredit analysisConstruction loansRegulatory complianceSales managementAnalytical skillsInterpersonal skillsProblem-solving skillsOrganizational skillsContinuous learning

Required

Minimum of 4 years' directly relevant experience in loan origination, mortgage lending, mortgage brokerage, or a related financial services field

Bachelor's degree or relevant work experience combined with degree/coursework/certification in a related field or relevant work experience equivalent to a bachelor's degree

Current registration with the Nationwide Mortgage Licensing System (NMLS) or ability to become registered upon employment

Thorough understanding of mortgage lending fundamentals, underwriting criteria, and regulatory requirements; able to apply independently in complex or high-value scenarios

In-depth knowledge of mortgage products, including construction loans, jumbo or specialized loans, and other complex lending programs

Comprehensive understanding of credit analysis, risk assessment, and mitigation strategies; capable of identifying and addressing nuanced risks

Extensive familiarity with internal policies, procedures, and compliance standards; able to advise peers and ensure consistent application across transactions

Proficient with Microsoft Office applications and comfortable using digital communication, workflow, and reporting tools

Ability to independently manage the sales and loan process from lead engagement through closing, applying advanced consultative techniques to complex member needs

Strong interpersonal, verbal, and written communication skills; able to explain complex lending topics clearly, actively listen, and manage member expectations

Strong organizational, analytical, and problem-solving skills, with attention to detail and the ability to manage multiple initiatives and a complex loan pipeline

Ability to identify cross-sell and referral opportunities and provide solutions aligned with member needs and long-term financial goals

Capable of exercising independent judgment in complex or high-value situations and escalating issues appropriately

Demonstrates professionalism, reliability, and a commitment to continuous learning and feedback

Ability to work independently and collaboratively with peers, branch staff, referral partners, and external stakeholders

Supports the development of less-experienced colleagues by sharing knowledge and best practices to enhance team performance

Company

Sunward

Sunward, formerly known as Sandia Laboratory Federal Credit Union (SLFCU), is one of New Mexico’s largest credit unions, serving over 160,000 members and managing more than $4.1 billion in assets.

Founded in 1948

Albuquerque, New Mexico, USA

501-1000 employees