Internal Mortgage Loan Officer

Hope Credit Union - Jackson, MS

Full-time - Entry Level

Remote - Jackson, MS

About the position

The Internal Mortgage Loan Officer is responsible for guiding clients through the mortgage application process, ensuring they understand their options and helping them secure the best mortgage plans tailored to their financial needs. This role involves collaboration with loan processors and underwriters, maintaining communication with clients, and ensuring compliance with various regulatory requirements.

Responsibilities

• Help qualified borrowers successfully obtain mortgages
• Educate customers on mortgage rules and regulations, interest rates, and the application process
• Advise customers, ensuring each is paired with a mortgage that best meets their needs
• Work as a cohesive team with loan processors and underwriters, collecting all documentation and information they need to process applications
• Ensure all deadlines are met, addressing and resolving all application issues in a timely manner
• Create positive, lasting relationships with clients and build a referral network internally within Hope's network of services
• Meet with potential customers to evaluate their financial background and homeownership goals
• Recommend the mortgage plans that best align with customers' backgrounds and needs, drawing on research and personal expertise
• Collect the financial documents and information needed to complete a mortgage application, performing research and conducting interviews as needed, and ensure that all information is complete and accurate
• Resolve any application issues
• Keep an open line of communication with applicants throughout the process, providing updates and answering any questions that arise
• Intake and track internal Hope mortgage leads and provide timely reporting
• Responsible for the origination of Hope's internal platforms and specialty products

Requirements

• Bachelor's degree in relevant field preferred or equivalent experience in mortgage lending
• Three years of experience in residential mortgage loan processing and/or closing
• Excellent communication skills, both verbal and written
• Understanding of legal regulations as they pertain to mortgages
• Ability to make sound mortgage recommendations based on research, personal expertise, and customers' financial backgrounds
• Stress tolerance and ability to perform well under pressure
• Teamwork and collaboration skills
• Organizational awareness and ability to identify potential problems and opportunities
• Results orientation and persistence in achieving goals
• Attention to detail and thoroughness in work
• Integrity and adherence to ethical standards

Nice-to-haves

• Experience with loan origination systems
• Knowledge of the Bank Secrecy Act and other relevant regulations

Benefits

• Full-time employment
• Remote work options
• Opportunities for professional development