Duties and Responsibilities include but are not limited to the following:

• Originate new and maturing HELOC credit lines, second mortgages, and SmartMove refinances.
• Conduct detailed credit analyses with prospective home buyers and provide advice and guidance on how to repair credit and/or improve credit score.
• Complete credit dispute forms and work on credit re-scores.
• Monitor the prospective home buyers progress towards “mortgage readiness” with encouragement, advice, and coaching.
• Communicate with the sales team on progress of the prospects and their “mortgage readiness” and ensure the files are complete, orderly, and delivered to the originating loan officer in a timely manner.
• Perform outbound sales calls to existing members.
• Refer all loans outside of HELOCs to Inside Mortgage Loan Officer team. 
• Maintain ongoing contact with prospective home buyers 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.
• Any other duties assigned by supervisors or management.

• Incentive opportunities 
• Paid Holidays
• Paid Time Off (Vacation, Sick and Personal Days)
• Medical, Dental and Vision Insurance
• 401(k) retirement program with matching funds
• Employer paid Group Term Life Insurance, Short Term and Long Term Disability Insurance
• Tuition Reimbursement Program