Full Job Description
South Carolina Federal Credit Union is currently seeking a Mortgage Loan Officer to join our team of outstanding Mortgage professionals in North Charleston, SC.
Duties include but are not limited to:
Provide required information, register and renew NMLS registration as required by the SAFE Act. (Activities related to mortgage loan applications are not permitted until the registration process is complete.)
Generate first and second mortgage loan volume through outside business contacts as well as internal member inquiries; Ensure timely communication and guidance throughout the mortgage process.
Counsel and inform members of mortgage products that truly fit their financial needs and build long-term relationships.
Identifies issues which may significantly impact member’s ability to close loan and prepares member with alternative action plan.
Demonstrate sound judgment and discretion in approvals, counter offers and denials.
Accountable for providing preliminary disclosures in accordance with regulations.
Execute mortgage marketing plan assignments.
Responsible for working with internal business partners as requested on external business development.
Communicate mortgage service expectations and support of the centralized referral process with Financial Centers.
Analyze member’s needs and cross-sell other credit union products & services.
Responsible for participating in realtor groups and other community related activities.
Attend seminars and community events to keep informed on trends and developments and make recommendations for improvements and enhancements.
All other duties and responsibilities as assigned.
Minimum qualifications include:
Possess a high school diploma or equivalent (GED).
Possess a minimum of three years of mortgage lending experience within a credit union, bank or mortgage brokerage.
Possess a minimum of two years of sales experience with a proven background of meeting and exceeding sales goals.
Possess demonstrated ability to analyze situations and make solid decisions with exceptional judgment.
Possess excellent verbal and written communication skills in order to communicate effectively with members and employees in person and by telephone/email.
Possess interpersonal skills and the ability to work well with others.
Possess time management and organizational skills.
Possess demonstrated initiative taking action without being prompted.
Possess proficiency in Windows based programs to include Microsoft Office products.
Possess intermediate mathematical skills performing calculations involving adding, subtracting, multiplying, and dividing.
NOTE: Relevant military experience is considered for veterans and transitioning service men and women.
South Carolina Federal Credit Union is an Equal Employment Opportunity Employer