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Palmetto Citizens Federal Credit Union · 1 day ago

Mortgage Loan Officer

Columbia, SC

Full-time

Onsite

Entry, Mid Level

2+ years exp

Palmetto Citizens Federal Credit Union is seeking a Mortgage Loan Officer responsible for originating mortgage loans and guiding potential borrowers through the loan process. The role involves preparing and verifying mortgage loan applications while ensuring compliance with regulations and delivering exceptional service to borrowers.

AccountingBankingFinancial ServicesNon Profit

Responsibilities

Develops and Maintains Relationships Establishes and nurtures partnerships with realtors, developers, builders, and other Credit Union branches to drive mortgage business growth and retention

Advises Applicants/Borrowers Meets with potential borrowers to explain various mortgage options, including portfolio, government, and conventional loans. Guides applicants in selecting the best loan product to meet their financial goals, in compliance with Credit Union policies and procedures

Loan Application Processing Collects and verifies all necessary borrower information and documentation to complete loan applications accurately while maintaining strict confidentiality

Regulatory Compliance Ensures compliance with all residential mortgage lending rules, regulations, and guidelines. Provides required disclosures to borrowers within the regulatory timeframes

Ongoing Communication Maintains consistent and transparent communication with borrowers throughout the loan process, ensuring timely approvals and smooth closings

Industry Knowledge and Training Participates in ongoing training to stay informed about industry trends, regulatory changes, and to maintain required certifications

Upholds Professional Standards Performs all duties with integrity, confidentiality, and respect for borrowers and colleagues, ensuring a superior member experience

Member Service Excellence Delivers exceptional service by assisting borrowers and supporting Credit Union associates with high-quality product delivery

Community Engagement Represents the Credit Union at community events and professional associations to promote products and services and strengthen community ties

Additional Responsibilities Performs other tasks as needed to ensure outstanding member service and effective delivery of Credit Union products

Qualification

Mortgage lending experienceNMLS licenseMicrosoft Office proficiencyRegulatory compliance knowledgeCustomer service skillsWritten communication skillsOral communication skillsTeamworkAdaptability