Mortgage Loan Officer

Description

Overview: Listerhill Credit Union is a financial cooperative whose primary purpose is to help our members live financially healthy lives. In 1952, seven Reynolds Metals employees deposited $5 each with the idea of starting a credit union that was member-owned and member-focused. Helping co-workers break from predatory lenders to borrow affordably and save for their financial futures, was their motivation. We have grown from a single office at Reynolds Metals to 18 branches throughout northwest Alabama and south-central Tennessee. Today, we serve 13 counties with a full line of financial solutions. Our purpose and commitment to financial health has never changed. We recognize what is good for our members is good for us. We aspire to high standards of integrity, excellence, and passion. Furthermore, we strive to be innovative for the members’ benefit and engaged in the betterment of their communities.

The Role: Your efforts and ultimate successes should be measurable and recognizable as you strive daily within LCU’s vision: “to value people over profit, proactively seek improvement, work passionately, exceed expectations, and make our community a better place”. You will approve or deny mortgage loans, following Listerhill Credit Union standards and federal guidelines.

What you will do:

• Review and evaluate information on mortgage loan documents to determine if buyer, property, and loan conditions meet credit union and government standards
• Approve or reject loan applications. Request additional information, if needed
• Assemble documents in loan file, including acceptance or denial
• Record loan rejection, specifying investor and credit union guidelines and basis for declining application
• Ensure credit union and government standards are always met by ensuring accuracy on all documents with zero errors; maintain a good working knowledge of credit union and government standards through continued research
• Provide informed, professional, and accurate service to all members and associates
• Perform other duties as assigned 

Requirements

Qualifications: 

• Three to five years similar or related experience
• Equivalent to a college degree (BS or BA in a relevant field)
• A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating, influencing or training others 
• Strong communication skills
• Commitment to LCU’s Mission Statement and Core Values
• Must successfully complete appropriate LCU assessments

This Job Description is not a complete statement of all duties and responsibilities comprising this position.

Listerhill Credit Union is an equal opportunity employer and does not discriminate in employment decisions based on any factor protected by federal, state of local law.