Kirtland Credit Union · 7 hours ago
Mortgage Loan Officer
Albuquerque, NM, US
Full-time
Onsite
Mid Level
3+ years expKirtland Credit Union is a financial institution that values employee growth and offers a vibrant work environment. They are currently seeking a Mortgage Loan Officer to create exceptional member experiences through the origination of mortgage loans and to manage application pipelines efficiently.
Banking
Responsibilities
Responsible for creating an exceptional member experience through origination of long-term mortgage loans, real estate, lot, construction, and home equity loans
Conducts initial pre-qualification interviews and prepares complete loan application packages and necessary documentation
Conveys policies for extension of credit in accordance with compliance with FNMA, FHA, VA, GNMA and/or Kirtland Credit Union (KCU) guidelines/policies
Interviews, takes applications, and processes preliminary documentation on mortgage and home equity loan requests
Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members
Effectively manages application pipeline to efficiently initiate mortgage applications within established service level standards
Assumes responsibility for establishing and maintaining effective and professional business relations with members, realtors, home construction and other mortgage industry professionals such as appraisers, escrow officers, and title companies
Answers questions and requests and resolves problems
Assumes responsibility for establishing and maintaining effective communication and coordination with Credit Union personnel and with management
Qualification
Required
Current NMLS license or ability to obtain one
Strong understanding of credit analysis, mortgage underwriting guidelines and mortgage loan qualifications
Demonstrated experience with meeting and exceeding goals
Experience with member experience, identifying needs and providing solutions in a professional manner
Strong knowledge in determining credit worthiness and analyzing credit reports
Proficient with all mortgage calculations
Knowledge of Credit Union loan policies, products, procedures, processing
Knowledge with title reports, insurance, and appraisals
Thorough knowledge of Federal mortgage-related laws: RESPA, Truth in Lending Act-REG Z; Homeownership and Equity Protection Act (HOEPA); Homeowners Protection Act (HPA); Equal Credit Opportunity Act (ECOA); Fair Credit Reporting Act (FRCA); Fair and Accurate Transaction ACT (FACTA); Gramm-Leach-Bliley Financial Modernization Act (GLBA-Regulation P); Home Mortgage Disclosure Act (HMDA-Regulation C); Mortgage Disclosure Improvement Act (MDIA); Housing and Economic Recovery Act; New Ability-to-Repay Requirements and Qualified Mortgage Standards
Proficient with mortgage products, regulations, and processes for Conventional, FHA, VA, and Adjustable-Rate Mortgages
Preferred
Bachelor's degree in business or related field preferred
Three-five years of experience working with mortgage and home equity loans preferred
Proficient with home equity loans and home equity lines of credit, preferred
Benefits
Medical, Dental and Vision Insurance
401(k) Retirement savings program that includes employer match.
Paid time off with accrual starting from day one.
11 Paid holidays off during the year!
Tuition Reimbursement for College Degrees
Employee Clothing Advance
Fitness Reimbursement Program
Employee Assistance Program
Short- and Long-Term Disability
Travel Assistance
Company
Kirtland Credit Union
Why work at Kirtland Credit Union? Because you spend 40 hours a week or more at work.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Julie Nielsen
Chief Financial Officer
Tina Andrews
Chief Financial Officer
Recent News
San Antonio Business Journal
2025-02-05
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