BE PART OF A DISRUPTIVE MOVEMENT TO INCREASE HOMEOWNERSHIP ALL ACROSS AMERICA

**All Realtors, and Mortgage Loan Officers must have an active NMLS ID associated to CFCU prior to Applying** As a Federal Mortgage Loan Officer or Originator, you will play a crucial role in the mortgage lending process by connecting prospective homebuyers or refinancing clients with suitable loan product...

Capitalize on the opportunity to write loans in all 50+ states nationwide, partnered with a federally chartered bank that is currently hiring for (MLO's) with NO SAFE Exam, NO Individual State Licensing Fees and NO Licensing Tests!  Get your Certified Training, NLMS and Licensing all through our Federally Chartered Institution, CFCU.

**All MLOs must have an active NMLS ID associated to CFCU prior to Applying**

As a Mortgage Loan Officer, you will play a crucial role in the mortgage lending process by connecting prospective homebuyers or refinancing clients with suitable loan products. You will be responsible for assessing clients' financial situations, understanding their needs, and guiding them through the mortgage application process. This role requires a combination of financial acumen, customer service skills, and industry knowledge to help clients secure appropriate financing solutions.

Requirements:

• Proven experience in mortgage lending or related financial services.
• Knowledge of mortgage products, underwriting processes, and industry regulations.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Sales-oriented mindset with a focus on achieving targets.
• Proficient in relevant software and technology used in mortgage lending.

Responsibilities:

• Guiding potential homebuyers through the mortgage application process, from initial consultation to loan closing, by assessing their financial situation, recommending suitable loan options, collecting necessary documents, and ensuring a smooth transition throughout the process while adhering to compliance regulations; essentially acting as a liaison between the borrower and the lender.

Client Consultation:

• Conduct thorough consultations with clients to understand their financial goals, creditworthiness, and homeownership aspirations.
• Provide expert advice on various mortgage products and help clients choose the most suitable option based on their individual circumstances.

Application Processing:

• Assist clients in completing mortgage applications, collecting necessary documentation, and ensuring accuracy and completeness of all required information.
• Collaborate with processing teams to facilitate a smooth and efficient loan approval process.

Credit Analysis:

• Analyze clients' credit reports, financial statements, and other relevant documents to assess their creditworthiness and determine the appropriate loan amount and terms.

Product Knowledge:

• Stay informed about the latest mortgage products, interest rates, and industry regulations.
• Educate clients on different mortgage options, explaining terms, conditions, and potential risks.

Relationship Building:

• Build and maintain strong relationships with real estate agents, builders, and other industry professionals to generate referrals and expand the client base.

Compliance and Regulations:

• Ensure compliance with all relevant federal, state, and local regulations governing mortgage lending.
• Stay updated on changes in industry regulations and adapt practices accordingly.

Customer Service:

• Provide exceptional customer service throughout the loan process, addressing client concerns, and keeping them informed about the status of their application.

Sales and Target Achievement:

• Meet or exceed sales targets by actively soliciting new business and cultivating relationships with potential clients.