JOB DESCRIPTION:
Founded in 1951, Clark County Credit Union is the credit union for the local government and medical community. We take pride in serving these valuable members of our community -- first responders, nurses, doctors, government leaders and many other dedicated and committed Clark County residents.
As a credit union, our members are our owners and we work hard to return a Bonus Dividend to them each year. With this in mind, our employees are focused on our Mission Statement, "Helping our members realize their financial goals and dreams." When you work at our credit union, you will see that we really are all about "people helping people."
The CCCU team, currently consisting of 200 employees, focuses on the future -always keeping our Vision Statement in mind: "With an innovative mindset, we will return value to our members while becoming the largest locally owned financial institution in Nevada."
In addition, we strive each day to create a culture that fosters growth and encourages teamwork. In doing so, our employees follow these core values:
Own It: We take ownership for our individual responsibilities and face challenges with optimism to achieve our goals.
Check Ego: We check our ego at the door. Humility helps us work collaboratively and find synergies to accomplish more.
Build Trust: With open and authentic communication, we assume positive intent when working with members and others. Our actions and integrity build trust.
Win Together: We each do our part to reach the credit union's goals, as one team, united by our mission and vision.
The Mortgage Loan Officer (MLO) proactively solicits new residential mortgage business and sells Clark County Credit Union (CCCU) products to meet established loan quality and production goals.
In this on-going sales role, the Mortgage Loan Officer continually identifies, develops, and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Loan Officer's network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Loan Officer's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.
The MLO responds to members inquiries and referrals that are generated from both their own contacts and from other Clark County Credit Union business channels. The MLO conducts interviews with prospective borrowers to analyze financial and credit data, determine member financing objectives, advise member of product/pricing policies and guidelines, and gather any additional required information. The MLO ensures exceptional member service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies, and adhering to HMDA requirements.
RESPONSIBILITIES:
RESPONSIBILITIES-
Develops and maintains successful relationships with business referral sources, existing and prospective Clark County Credit Union members. Prospects new mortgage lending opportunities. Meets with customers as necessary during various stages of the loan process. Utilizes Clark County Credit Union training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customer and internal business partners. Provides complete loan applications to fulfillment center partners. Ensures exceptional member experience by overseeing loan process from origination to close and providing on-going communication to members and business partners. Achieves production goals as established by Clark County Credit Union. Oversees and ensures successful completion of all assigned Mortgage Loan Officer Training activities.
ACTIVITIES/TASKS-
On a day-to-day basis,

• New Business Development: Develop Business Referral Network through marketing, cold-calling, prospecting, and networking activities. Participate in community efforts to promote home ownership.
• Loan Application Process- Meet with prospective borrowers, review / analyze credit, and financial data. Determine borrower financing objectives and goals. Present appropriate CCCU products and programs and explain guidelines. Apprise borrowers of pricing and lock rate as required. Identify appropriate opportunities to sell additional products. Collect supporting loan documentation as required and provide complete package to Mortgage Loan Processor. Upload complete application via Encompass.
• Manage workload with CCCU Compliance directly to ensure that loan docs are submitted to Fulfillment within 7 days or as modified by CCCU. Work with Mortgage Loan Processor to ensure that loan conditions are met.
• Partner with Mortgage Loan Processors with on-going communication to customer regarding loan status. Utilize Encompass Milestones/Notes to check for notes and conditions.
• Professional Development- Attend and complete all CCCU required training. Maintain current and thorough knowledge of all lending programs, policies, procedures, and regulatory requirements. Perform all job functions in accordance with CCCU policies and procedures.

ABOUT THE COMPANY:
We are proud to be a member-owned financial co-operative servicing our membership base in Las Vegas, NV since 1951. Our purpose is to promote financial services to our membership. We are not guided by profit minded shareholders here. All credit union earnings are returned to the membership in the form of better rates, lower or fewer fees and more services.