Blackhawk Community Credit Union · 1 week ago
Mortgage Loan Officer
Janesville, WI, US
Full-time
Onsite
Entry, Mid Level
2+ years expBlackhawk Community Credit Union is seeking a Mortgage Loan Officer to provide professional expertise in promoting and originating first and subordinate lien loans. The role involves building rapport with customers, facilitating the loan application process, and ensuring compliance with regulations while delivering quality customer service.
Credit CardsFinancial Services
Responsibilities
Facilitate the loan application process by conducting borrower interviews in person and over the phone, originating 1st mortgage and home equity loans that meet investor and portfolio guidelines
Obtain and evaluate credit reports and where applicable, submits loans to Desktop Underwriter® to obtain automated underwriting recommendations
Prepare and execute loan documentation including the application, initial disclosures and re-disclosures (when applicable), insuring documents are prepared accurately, in compliance with all regulations and timely
Provide financing solutions and credit reporting education to borrowers that best meet their financial needs while adhering to anti-predatory lending and regulatory compliance guidelines
Communicates with borrower, Realtor, Closing Agent regarding documentation required, file progress, closing arrangements, etc., while maintaining borrower confidentiality
Works with the borrower, loan processor, underwriter and other staff through the entire loan process
Communicates loan decisions to borrowers, including approvals and denials, verbally and in writing
Participate in training and continuing education as required by the Credit Union and any state or federal programs (such as the SAFE Act)
Working with management, develop, coordinate and deliver training and marketing activities that drive profitable loan volume, meeting production and service goals
Answer incoming calls, counseling new applicants; answering questions on files in process; or re-directing the caller to appropriate staff in other areas of the Credit Union
Maintains up to date knowledge and adheres to all regulations, policies, procedures and standards that pertain to this position
Follows Processes and procedures established to ensure compliance with the Bank Secrecy Act (BSA) Anti-Money Laundering(AML), and Combating the Financing of Terrorism (CFT). Complete required, annual AML/CFT training to ensure you understand your responsibilities that apply to AML/CFT, including: 1. CIP (Customer Identification Program) 2. CDD (Customer Due Diligence) 3. Beneficial Owner Identification and Verification 4. Prohibited Account Types 5. CTRs (Currency Transaction Report) 6. SARs (Suspicious Activity Report) 7. OFAC (Office of Foreign Assets Control) 8. Monetary Instruments 9. Record Retention
Cross sell other products and services
Work in multiple branch office locations
Perform other duties/projects as assigned
Qualification
Required
Bachelor's degree or equivalent work experience in the mortgage lending field is required
2-5 years' experience in mortgage lending, finance or real estate related field
Must be a licensed mortgage loan originator through NMLS
Pass the pre-employment Drug Test and Background Check
2 years' experience in Mortgage Lending
Ability to multitask and prioritize
Pass the pre-employment drug test and background check
Ability to move about and communicate with a diverse membership and employee group
Ability to accomplish the described responsibilities using computers and technology
Ability to sit and/or stand for extended periods of time
Ability to work in a changing, challenging, and fast paced work environment
Provide own transportation
Occasional business travel
Company
Blackhawk Community Credit Union
Blackhawk Community Credit Union is a member-owned financial services organization.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Matt Wohlers
EVP CFO
Lindsey DeBartelo
Chief Operating Officer
Company data provided by crunchbase