Together Credit Union · 2 months ago
Hybrid Mortgage Loan Officer (MLO)
St. Louis, MO
Full-time
Hybrid
Mid Level
3+ years expTogether Credit Union is seeking a Hybrid Mortgage Loan Officer (MLO) responsible for generating residential mortgage production through a hybrid model. The role focuses on providing exceptional member service, financial guidance, and customized mortgage solutions while engaging with the community to source business.
CreditFinancial ServicesNon Profit
Responsibilities
Provides information on mortgage loan products and organizational lending policies to members, relators, and other related parties
Requests necessary documentation to analyze member financial status, income, assets, property estimated value, and purchase contract information to determine feasibility of granting loans
Notifies applicants not qualified for further consideration and educates members on loan options after identifying financial goals and pathways to achievement
Negotiates rates, terms, conditions, and lock rates
Builds and maintains close relations with others in the banking community, home construction, real estate, and related industries to encourage referrals for mortgage loans
Maintains responsibility for a width of information to include the organization’s current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with regulatory guidelines
Attends open houses, chamber of commerce meetings, trade shows, seminars, etc. to establish a strong professional network
Collaborates with processors to confirm status and outstanding conditions to ensure timely commitments and closings are met
Prepares reports related to loan origination and closing activities and sends closing disclosures to members based on regulatory guidelines
Maintains an understanding of industry compliance changes and completes necessary training on Nationwide Mortgage Licensing System (NMLS), secondary compliance, and other regulatory environments
Promotes and cross sells Credit Union products based on member’s needs
Qualification
Required
High school diploma
Minimum of 3 years of related professional experience
Strong interpersonal skills
Significant level of trust, credibility, and diplomacy
Ability to conduct in-depth dialogues and conversations to provide explanations with customers, team members, and outside vendors
Ability to maintain strict confidentiality with sensitive information
Ability to motivate, influence, educate and/or advise others on matters of significance
Knowledge of the Bank Secrecy Act (BSA), Patriot Act, and Office of Foreign Assets Control (OFAC)
Company
Together Credit Union
Together CREDIT UNION is a community-based not-for-profit financial institution.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Lawrence Skube
Chief Financial Officer
Larry Sewell
Vice President, Corporate Partnerships & Advocacy
Recent News
The Business Journals
2024-06-04
St. Louis Post-Dispatch
2023-12-24
2023-12-24
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