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Job Title

Home Loan Officer- Internal

Company : Gesa Credit Union

Location : Walla Walla, WA

Created : 2021-07-17

Job Type : Full Time

Job Description

Take a leap and join our team!At Gesa, we believe in the power of our people. Coming from all walks of life, our team members' individual stories and unique experiences are our most valuable asset. But it's how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.Get to know us: About - Gesa Credit UnionRole Summary:Under the direction of the Regional Home Loan AVP, the Internal Home Loan Officer will assist members and team members with their mortgage lending needs. Analyze loan files and recommend credit decisions based on mortgage lending policy. Originate both first and second mortgage loans for the credit union's portfolio or for sale on the secondary market for existing members and for new members obtained through credit union's business development efforts. Maintain a professional image with all member interactions and must maintain confident critical member information.What You Will Be Doing:Support loan production as advised by manager.Maintain fixed office hours as set by manager.Ensure that all approved loans align with established loan standards and have zero errors.Complete special projects as advised by the manager.Maintain a professional, courteous, and friendly atmosphere for members and co-workers.Demonstrate a proven understanding of all mortgage products and rates, both within Credit Union and from the industry overall.Troubleshoot and resolve member and internal inquiries in a timely, friendly and accurate manner.Interview members for residential mortgage loans, explain financing and mortgage programs and their requirements.Advise members of results of preliminary financial analysis.Calculate Loan Estimates.Supervise status of loans, process loan in a timely manner.Build positive relationships with members, real estate agents and members of the community to increase loan production.Must understand and perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.Attend credit union training sessions, conferences, or seminars as approved by supervisor. Maintain awareness of policies and regulations related to duties and responsibilities.Display mutual respect, trust and dignity, acting in the best interest of the credit union. Lead by example by displaying solid ethics and integrity at all times.Control risk and perform duties in a safe and sound manner.Maintain and protect all critical data utilizing the highest standard of confidentiality and integrity. Consistently display respect for all areas of diversity and levels of knowledge.About You:Ability to multi-task on numerous projects simultaneously.Ability to optimally communicate in writing, in person and over the phone.Ability to make quality decisions in a timely manner with utmost attention to detail.Ability to work with minimal direction.Ability to promote and maintain a productive work environment.What You Will Need:Three years of similar or related experience; mortgage lending experience desired.High school diploma; or equivalent completion of specialized course of study, training, and experience.Acquire and maintain valid NMLS Mortgage Loan Originator Identification (MLO) Number.Extensive knowledge of conforming and non-conforming loans as defined by the secondary market desired.Experience with Desktop Underwriting or other lending-specific software desired.Experience in the development of new business through calling on the real estate community and membership in professional organizations desired.Experience in loan origination consistent with FNMA guidelines, as well as FHA and VA loan originations desired.Proficiency with standard office equipment, lending software, spreadsheets, and word processing.Independent travel is required to achieve training and business objectives.A valid Driver's License is required.Our Team Member Value Proposition:In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:Competitive PayMedical, Dental, Vision, and Life InsurancePaid Time Off - Plus 10 Paid Holidays!401(k) MatchIncentive ProgramTuition Assistance and Student Loan RepaymentCommuter BenefitsPaid Time Off to Volunteer in the CommunityProduct discountsEngaging Work EnvironmentRewards and Recognition ProgramsPhysical Requirements:Per the Dictionary of Occupational Titles, this is considered a sedentary position.Frequent sitting (31-70%).Occasional walking (11-30%).Seldom standing (1-10%).Ability to lift up to 10 lbs. frequently, including negligible forces.Ability to lift up to 20 lbs. on a seldom basis.Frequent repetitive hand and wrist motions.Work environment is indoors, in a clean office area.Get wise to what's possible with a career at Gesa. Join us!We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodationGesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.Selected candidate(s) must be able to pass a pre-employment drug screen which includes screening for all drugs considered illegal or controlled by the State of Washington, as well as, a credit/background check and a skills assessment.Gesa reserves the right not to hire any relatives of or those in a close personal relationship with any Gesa employee, Board member or Supervisory Committee member.Gesa Credit Union is an Equal Opportunity Employer and, as such, affirms in policy and practice to recruit, hire, train, and promote, in all job classifications, without regard to race, religion, color, national origin, citizenship, sex, sexual orientation, gender identity, age, veteran status, disability, genetic information, or any other protected characteristic. Gesa Credit Union will not discriminate against persons because of their disability, including disabled veterans, and will make reasonable accommodations for known physical or mental limitations of qualified employees and applicants with disabilities. If you are interested in applying and require special assistance or accommodations due to a disability, please contact our Human Resources department at (509) 378-3100.EOE/AA - Minority/Female/Sexual Orientation/Gender Identity/Disability/Veteran