Mortgage Loan Officer
This position is not remote!
Hours: 8 hour shifts, 40 hours per week, Monday through Friday between the hours of 8:00am and 5:30pm.
Role Summary: Solicits and develops a wide variety of residential mortgage loans. Includes mortgage, home equity loans, etc. Works closely with branch staff to support member mortgage loan needs through referrals at assigned branches. Primarily deals with direct, single family loans.
Major Duties & Responsibilities:
- Receives and screens loan applications; requests applicant credit and mortgage status, banking and personal reference, notifies those applicants not qualified for further consideration.
- Conducts the loan interview and secures the member information necessary to initiate a loan transaction. Then provides loan information and service to members, realtors, and others as needed.
- Responds to inquiries from prospective members regarding all types of mortgage and construction loans, provides requested information regarding the organizations lending policies and procedures.
- Reviews completed applications to determine member eligibility; submits those applications qualified for further consideration to the Loan Underwriter for conditional approval; provides additional information as required.
- Request and review supporting documentation for qualifying purposes, this includes employment, income, property and asset documentation.
- Prepares records and reports as requested regarding loan origination and closing activities.
- Identify opportunities for cross selling internal products, this would include HELOC’s, Consumer Loans, Credit Cards, and Depository Accounts.
Ideal Candidate:
- An interest in learning about the Mortgage industry!
- Excellent verbal and written communication skills.
Preferences:
- Experience working for a financial institution.
Your Team:
This position will report to Mike Pogorelec, Director of Lending.
This team consists of the following team members:
- 2 Mortgage Loan Underwriters
- 1 Mortgage Servicing Specialist
- 1 Mortgage Servicing Specialist – Quality Control
- 1 Mortgage Technology & Training Specialist
- 2 Mortgage Processors
- 1 Mortgage Closer
- 2 Mortgage Loan Officers
Benefits:
- Eligible for annual merit increase based on performance
- 401(k) with dollar-per-dollar match up to 5% of salary
- Defined Benefit/Cash Balance Retirement Plan (Pension)
- Paid Time Off – Start off with 18 days!
- Health, Dental and Vision Insurance
- Flexible Friday & Work From Home Friday
- Funeral Leave
- Jury Duty Leave
- Wellness Program
- Annual Employee Forum
- Health Savings Account (HSA), Health Reimbursement Account (HRA), Flexible Spending Account (FSA)
- Life, AD&D, Voluntary Life, Short and Long-Term Disability
Heritage Credit Union is a strong, not-for-profit, community-based financial institution with $450M in assets and more than 125 employees serving more than 30,000 members in WI & IL.
Exciting things are happening at Heritage Credit Union. We were recently named one of the 2020 & 2021 Top Work Places by the Wisconsin State Journal, and we recently moved in to our new Home Office location just off Highway 19 and Interstate 90 in DeForest.
Heritage Credit Union is an equal opportunity employer and does not discriminate on the basis of legally protected statuses. For individuals with disabilities who would like to request an accommodation, please notify us in your application.