Junior Mortgage Loan Officer

Liberty Federal Credit Union - Evansville, IN

Full-time - Entry Level

Evansville, IN

Credit Intermediation and Related Activities

About the position

The Junior Mortgage Loan Officer at Liberty Federal Credit Union is responsible for originating new and maturing HELOC credit lines, second mortgages, and SmartMove refinances. This entry-level position requires excellent communication skills and attention to detail, as the officer will assist prospective home buyers in achieving mortgage readiness while maintaining contact with them throughout the process. The role involves collaboration with the sales team and performing outbound sales calls to existing members.

Responsibilities

• Originate new and maturing HELOC credit lines, second mortgages, and SmartMove refinances.
• Conduct detailed credit analyses.
• Monitor prospective home buyers' progress towards mortgage readiness with encouragement, advice, and coaching.
• Communicate with the sales team on the progress of prospects and ensure files are complete and timely delivered to the originating loan officer.
• Perform outbound sales calls to existing members.
• Refer loans outside of HELOC credit lines, second mortgages, and SmartMove refinances to the Inside Mortgage Loan Officer team.
• Maintain ongoing contact with prospective applicants via phone, meetings, emails, etc.
• Perform table closings as needed.
• Help back up other MLOs that are on vacation or out of the office.
• Cross-sell credit union products and services.
• Maintain a working knowledge of all credit union mortgage products including purchase loans, refinances, 2nd mortgages, HELOCs, bridge loans, and construction loans.
• Understand and apply federal regulations associated with mortgage loans.
• Log into the phone system to field and answer incoming mortgage calls.
• Develop a working knowledge of the credit union's data processing system, loan origination system, Word, and Excel software.
• Develop an understanding of credit union history, philosophy, organization, bylaws, and operational procedures.
• Perform any other duties assigned by supervisors or management.

Requirements

• Excellent communication skills.
• Attention to detail.
• Ability to multitask in a fast-paced environment.
• Proficiency in Microsoft Excel.

Benefits

• Paid holidays
• Disability insurance
• Health insurance
• Dental insurance
• Tuition reimbursement
• Paid time off
• Vision insurance
• 401(k) matching
• Life insurance