Loan Processor jobs at Utah First Credit Union - 8 jobs

Please reference the schedule and minimum qualifications listed below before applying. If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at ************ option 1 or email *********************** and every reasonable effort will be made to accommodate your needs in a timely manner. Job SummaryWork directly with Loan Officer, Underwriter, Closer, borrowers, real estate agents, builders, title companies and other third parties to carry out the duties required to evaluate loan files, obtain loan approvals, and facilitate on-time closings.Job Description LOCATION Tanner Building - Hybrid: 7167 S Center Park Drive West Jordan, UT 84084 SCHDULE Full Time To be effective, an individual must be able to perform each essential duty successfully. Fundamental understanding of FHA, VA, USDA, Freddie, Fannie and MACU portfolio guidelines and regulations. Communicate regularly with new and active loan applicants to ensure they receive exceptional service throughout the loan process. Calculate and verify income and employment in accordance with Appendix Q, MACU and investor guidelines Gather and analyze paystubs, personal and business taxes, verification of income/employment, tax transcripts and assess any concerns with income Complete required income calculation worksheets for salary and self employed borrowers. Analyze calculated income to ensure it meets loan requirements Demonstrate strong analytical abilities when running and examining automated underwriting systems for Freddie Mac and Fannie Mae (LPA and DU) Monitor loan officer pipelines and identify alerts requiring disclosures, re-disclosures and other necessary attention to loan files. Identify alerts requiring disclosures, re-disclosures and other necessary attention to loan files and work with loan officer to remedy. Assist in completion of Notice of Incomplete Applications, Withdrawals, and Denials within required time frames. Order appraisal (or AVM) and title report upon receipt of all qualifying documentation and Intent to Proceed Examine title report, eliminating any risk of junior liens, addressing any shared well, egress issues, ensuring MACU has first position on all title reports as well as verify address, parcel number, and annual taxes for accuracy compared to loan file Evaluate appraisals for accuracy and compliance with secondary market guidelines, making sure any errors, adjustments, repairs, etc., have been corrected or completed prior to final loan approval. Order Flood Certification, FHA or VA case number, CAIVRS, VOE, VOD, Condo Certification, CC&Rs, Condo Budget, tax transcripts, hazard insurance and subordinations per guideline requirements Remove unnecessary documents/buckets from eFolder in Encompass to eliminate duplication and determine what missing documentation is outstanding; verify accuracy of received date for documents and correct if needed Demonstrate understanding of what is required for alerts, warnings and Mavent fails Confirm loan file has all required documentation and submit to underwriting Develop and maintain quality timeframes and management of pipeline to achieve and meet required purchase contract deadlines Within 24 hours of underwriter review, work with loan officer and member to gather and satisfy all required underwriting conditions Work closely with Mortgage Training Team and Underwriter for assistance in understanding guidelines and program requirement Run Value Analyzer on all refinance loans Participate in ongoing training of standard mortgage products (Conventional, FHA, VA, etc.) Use tools provided to research all loan programs and guidelines, including AllRegs, investor selling guides, MAC, Knowledge Center, MI quotes, Underwriting and Training hotlines, and agency call centers; maintain an active knowledge base of the mortgage loan products MACU offers and an understanding of the qualifications for each program. Understand regulations and requirements for the Secondary Market, NCUA, BCFP, TRID, RESPA, and HMDA KNOWLEDGE, SKILLS, and ABILITIES The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. Experience One year of experience in a finance related field. Work in the mortgage industry preferred. Education High School Diploma or GED. Licenses, Certificates, Registrations Must be able to qualify for a NMLS number under S.A.F.E Act after hire into position. Managerial Responsibility Has no supervisory/managerial responsibilities. Interpersonal Skills Courtesy, tact, organization and diplomacy are essential elements of the job. Understand the sense of urgency and how to effectively respond. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Language Skills Demonstrated ability to read and interpret documents such as safety rules, operating and maintenance instruction, and procedure manuals. Demonstrated ability to write routine emails and correspondence. Demonstrated ability to speak effectively with employees, members, or clients. Reasoning Ability Must have the ability to understand and carry out instructions in written, oral, or diagram form. Ability to deal with problems involving several variables. Computer/Office Equipment Skills Intermediate skills in the following: Microsoft Office products including; Word, Excel and Outlook. Other Skills Uses time and skills effectively to accomplish required work. Ability to follow-through on assignments and responsibilities. The degree to which the employee can be counted on to perform responsibilities and complete assignments in a timely and competent manner. Demonstrated dependability toward job and team in regard to attendance, work load and work accomplishment. Demonstrated experience in a customer oriented setting. Demonstrated ability to perform work assignments free from mistakes, errors, or negativity. Strives for the best end product. Goes beyond acceptable standards resulting in superior outcomes. Ability to use time and resources effectively to accomplish required work, meet deadlines and priorities PHYSICAL REQUIREMENTS/ WORKING CONDITIONS Physical Demands Ability to talk, hear, sit, use hands to handle or feel and reach with hands and arms consistently. Vision Requirements Close vision (clear vision at 20 inches or less) Distance Vision (clear vision at 20 feet or more) Weight Lifted or Force Exerted Frequently lifts up to 10 lbs., occasionally lifts up to 25 pounds rarely lifts up to 100 pounds. Environmental Office Type conditions, indoors. Noise Environment Moderate Noise such as in a business office with equipment and light traffic. ***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.*** #LI-FW1 Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

Schedule Mon - Fri Flex Under the direction of the manager is responsible for performing a wide variety of customer services and lending functions related to the Indirect Department. Will answer incoming dealer calls regarding lending questions, loan applications, loan pricing, loan stipulations on all RV and Auto loan applications through the indirect channel. Assists dealerships in professionally answering a broad range of questions in all lending regions. In addition to answering all Indirect Underwriting phone calls, verifies proof of income on loan applications that is requested by the underwriter, this incudes paystubs, w-2's, personal and business tax returns. Responds to dealers through electronic communication on a wide variety of dealership questions and concerns. Ensures proper imaging of necessary records. Performs miscellaneous loan processing activities as assigned. Follows up with Funders and Underwriters to ensure applications are approved and funded quickly. Responsibilities 1. Effectively completing assigned loan functions. a. Has discussions on loan options, credit criteria, interest rates, and loan documentation in such a manner as to elicit a positive response from the dealer.b. Follows up with dealers on loan requests for additional information, documentation, and counter-offers.c. Give loan denials and explain reasons and provide alternative options. 2. Establishing and maintaining effective and professional business relationships with dealers. a. Responds to dealer's requests and questions promptly and courteously. Projects and maintains the Credit Union's professional reputation.b. Researches and resolves member account and loan issues, problems, and concerns.c. Provides miscellaneous information to dealers including: pre-approval information, vehicle values, membership information, loan payments, payoff request, loan terms, and rates.d. Maintains the Credit Union's professional reputation and service standards when speaking with dealerships, internal and external contacts 3. The effective performance of assigned functions of the department. a. Complete income verification accurately and in a timely manner. b. Communicates with dealerships through electronic communication. e. Main contact for dealerships needing assistance f. Proficient in all regions for product pricing, reserves, terms, and loan to values. g. Proficient in knowledge of competitors pricing for rate matching criteria. h. High knowledge of credit unions consumer lending policy and procedures and signing authority. 4. The effective and professional performance of Indirect Lending functions. a. Answers and solves problems for dealerships by listening, collecting data, finding answers. b. Primary employee for answering phone call volume from Dealerships in all regions. 5. Establishing and maintaining effective business relations with Dealerships and other departments. a. Receives and screens telephone calls. Answers routine questions or directs them to appropriate personnel. Records and relays messages. b. Assists with questions and problems courteously and promptly. c. Maintains the Credit Union's professional reputation. 6. Establishing and maintaining effective working relations with Credit Union personnel and with management. a. Coordinates with dealerships and related departments and obtains or conveys information as needed. b. Keeps management informed of area activities and of any significant problems. c. Attends and participates in meetings as required. d. Communicates in a professional manner with Dealerships and Departments. 7. Other related duties as required or assigned. a. Keeps work area clean, secure, and well maintained. b. Completes special projects as assigned. #IND21 Qualifications Training/Education/Certification: * High school graduate or equivalent. Course work in typing and general office skills. Required Knowledge: * Knowledge of member services, accounts functions, and products. * Basic understanding of loan processing functions. * Knowledge of related computer applications. * Basic knowledge of accounting. Experience Required: * Prior clerical experience helpful, particularly in a financial environment. Skills/Abilities: * Strong typing abilities. * Well organized and attentive to detail. * Good communication and public relations skills. * Ability to cooperate and assist others.

Under the direction of the Lead/Primary Loan Originator, performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers and markets and promotes PrimeLending products and services to the team's client base of realtors, builders, bank officers and potential and past clients. In addition acts as a liaison between the Lead/Primary and/or other team loan originators, in-process customers and branch operations staff. High school diploma or equivalent and appropriate licenses as required by state. One to two years of sales or mortgage banking experience preferred. Valid driver's license and current automobile liability insurance. Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. An ability to quickly assess and process large amounts of information, and must be able to use designated technology. Must continue to expand knowledge of issues influencing the industry and the organization. Must be organized and detail-oriented and possess ability to prioritize work load based on loan volume. Must be proficient in required origination technology and use of other office equipment. Must maintain confidentiality of borrower and/or company information. *In accordance with U.S. Department of Labor Regulation Part 541-Exemptions under the Fair Labor Standards Act (FLSA) Section 13(a)(1) employees who meet certain tests will qualify for Exempt Status. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Markets and promotes PrimeLending's financial products; Team Originators will not be subject to the minimum personal production standards for Loan Originators in order to qualify for a team relationship. Handles loan volume as directed by each team loan originator in a timely and efficient manner, while obtaining working knowledge of Company products as well as private and Government insured mortgage guidelines. Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. Collects and analyzes information regarding the customer's income, assets, investments or debts. Schedules appointments with potential customers for the team loan originator(s). Interacts and interfaces with all parties involved in each individual loan transaction from application to closing. Obtains all necessary support documents including the appropriate fees and collects additional documents and promptly communicating loan status to all interested parties. Obtains remaining or uncollected loan documentation after closing. Negotiates terms and conditions of loans with customers. Stays abreast of changes in rules and regulations pertaining to private and government insured mortgages. Maintains a professional image and adheres to standards consistent with company policies and procedures. Meets customer service standards as outlined by management. Other functions as needed.

Please reference the schedule and minimum qualifications listed below before applying. If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at ************ option 1 or email *********************** and every reasonable effort will be made to accommodate your needs in a timely manner. Job SummaryThe Mortgage Default Specialist is responsible for the processing and management of the foreclosure caseload (judicial and non-judicial), as well as acting as the Single Point of Contact to discuss loss mitigation alternatives to resolve mortgage loan delinquency. Perform all duties in accordance with the company's policies and procedures, and all US state and federal laws and regulations, wherein the company operates.Job Description LOCATION Mountain America Center - Hybrid: 9800 S Monroe St Sandy, UT 84070 SCHEDULE Full Time To be effective, an individual must be able to perform each job duty successfully. Responsible for preparing and mailing all SPOC letters; ensures that relevant follow ups are calendared appropriately. Orders BPOs and prepares mortgage files for management review and approval; creates routine-to-complex recommendations for foreclosure action or charge off. Works directly with attorneys to refer mortgage loans for foreclosure proceedings. Communicates with corporate counsel and outside counsel regarding title disputes and other lienholder foreclosure action, including lis pendens, judicial foreclosures, and loss mitigation mediations. Updates system of record to reflect 1st legal action/notice of default recording, substitution of trustee recording, and publication and posting of the notice of sale; updates queries and foreclosure / REO tracking on a daily basis. Requests reinstatement and payoff quotes from foreclosure law firms; ensures reinstatement and payoff funds are posted properly and notices of default are cancelled accordingly. Provides bidding instructions to foreclosure firms and monitors status of foreclosure sales results. Answers incoming calls from members, member's legal representatives, the Credit Union's legal representatives, foreclosure trustees, real estate agents, and property preservation vendors; responsible for accurately answering questions and resolving routine issues related to these processes. Assists in researching accounts and taking appropriate action as recommended by manager. Ensures that daily processes are in compliance with any changing state laws and regulations. Exemplifies role as a team member to promote and maintain effective partnerships with the team and the Credit Union's members. Incorporates MACU values and philosophy while fulfilling responsibilities as a representative of the Asset Management department and the Credit Union. Performs other duties as assigned. KNOWLEDGE, SKILLS, and ABILITIES The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. Experience Minimum 3+ years of foreclosure experience, including handling modifications, short sales, and Deeds in Lieu of Foreclosure. Experience in loss mitigation and/or late-stage mortgage collections preferred. Education High School Diploma or equivalent work experience, some college preferred. Licenses, Certifications, Registrations n/a Managerial Responsibility n/a Computer/Office Equipment Skills Advanced skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel Demonstrated experience with Symitar or other financial system software preferred Language Skills Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization. Other Skills and Abilities Ability to work both autonomously and collaboratively in a fast-paced environment. Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines Adaptive to change, responds positively to altered circumstances or conditions Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc. Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies. Excellent inter-personal skills including the ability to lead and collaborate with ad-hoc teams PHYSICAL ABILITIES / WORKING CONDITIONS Physical Demands Ability to sit, talk and hear consistently Ability to stand, walk, and use hands to handle or reach occasionally Vision Requirements Close vision (clear vision at 20 inches or less) Distance vision (clear vision at 20 feet or more) Weight Lifted or Force Exerted Ability to lift up to 10 pounds occasionally Environmental There are no unusual environmental factors (such as a typical office) Noise Environment Moderate noise (business office with computers and printers, light traffic) #LI-FW1 Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

Schedule Mon - Sat Flex Working in a sales-focused environment, responsible for establishing and building member relationships by selling core deposit account, loan products and other credit union services. Interviews and advises members regarding loans, deposits and other products/services, including investment referrals. Responsible for reviewing and processing consumer and home loan applications and opening and closing accounts. Explains credit policies and obtains additional loan information and documentation. Effectively communicates information regarding credit issues and requirements that may be needed in order to process initial member loan requests. Communicates with the underwriting department and informs members of loan decisions. Researches, evaluates, and determines whether loans meet Credit Union lending criteria and are within approval limits. Provides members and prospective members with prompt and professional service. Initiates contact with members by phone, letters and/or email to determine additional financial opportunities with the credit union. Ability to attain and exceed expected baselines in sales, volume, and service is expected. Assists and directs area loan personnel as necessary. Acts as loan processor / senior member service rep. as needed. Responsibilities Assumes responsibility for effectively coordinating, overseeing, and completing assigned loan functions: Interviews, takes applications, and processes preliminary documentation on loan requests. Conducts personal and telephone interviews and discusses loan alternatives, credit criteria, interest rates, and loan documentation with the member in such a manner as to elicit a positive response from the member. Actively sells credit life, disability, and GAP insurance. Makes MFS referrals. Expectation is to meet monthly Credit Union sales standards including promotions and campaigns. Evaluates and verifies loan applications and credit criteria. Computes debt ratios. Verifies employment and income. Determines value of collateral. Verifies collateral insurance coverage. Recommends loan decisions and cross sells to the underwriting department within limits of authority and notifies applicant of loan decisions. Requests additional information if required. Processes loans including ordering of credit reports, title searches, appraisals, documents comments in internal underwriting and handles loan closings. Assumes responsibility for the effective development of Member relations. Maximizes the penetration of Credit Union products and services in order to meet/exceed established baselines. Makes appropriate recommendations for loan, deposits and other services. Is highly motivated and is both sales and goal oriented. Counsels members, where possible, concerning money management and discusses loan alternatives in such a manner as to elicit a positive response and repayment of current debt owed to the credit union. Resolve any rejects concerning loans and membership accounts in a timely manner. Assumes responsibility for processing and securing liens on collateralized loans and prompt follow up on titles still pending. Assumes responsibility for establishing and maintaining effective and professional business relationships with members: Ensures that members' requests, questions and issues are promptly and courteously resolved. Ensures that members are properly informed of Credit Union accounts and loan policies and services. Ensures that the Credit Union's quality and professional reputation is projected and maintained and Credit Union Dress code is followed. Counsels members whose loan requests were denied, explaining reasons and alternatives. Responsible to open new accounts and all other credit union related products and services. Assumes responsibility for establishing and maintaining effective coordination and communication with area personnel and with management: Assists all other employees in branch operational duties as needed. Assists in training and cross-training Receptionist and Senior Member Service Reps Completes reports and records promptly and accurately. Attends and participates in meetings and trainings as required. Keeps Management informed of area activities and of any significant problems. Assumes responsibility for related duties as required or assigned: Stays informed regarding local and national economic conditions and legal and regulatory changes. Acts as loan processor / senior member service rep, and branch receptionist as needed. Ensures proper maintenance, cleanliness, and security of work area. Ensures member confidentiality is maintained. Accountable to review and respond to Point Score Compliance exceptions, policy violations, loan rejects in a timely manner. Completes special projects and other duties as assigned. Qualifications Training/Education/Certification: * High School Graduate or equivalent. Additional business coursework preferred. * Successful completion Member Service Rep Certification and Senior Member Service Rep Certifications which include: (Lending Classes: Lending Sales, Lending 1, Lending 2, Business Services, SBA Lending, Lending 3, SAFE Act registration, Mortgage Lending and lending tests 1,2,3 passed with 85% or better) * Sales Certified based on loan volume, MCLO Certified based on volume. Required Knowledge: * Thorough knowledge of Credit Union products, services, policies and procedures. * Sound knowledge of credit union lending procedures, processing and Loan Pro. * Strong understanding of related legal and regulatory standards * Solid understanding of Credit Union operations. Experience Required: * Minimum of 2 years of progressive credit union experience, preferably in areas where product promotion, sales (in person and over the phone) and superior member service skills were demonstrated. * Senior Member Service Representative Certification (preferred). Experience with new accounts and loan applications required. * Excellent communication skills and public relation skills. Skills/Abilities: * Ability to recognize and offer sales opportunities that will benefit the member. * Excellent Communication skills. Professional phone etiquette. * Professionalism in appearance and attitude * Cooperative and works well with others * Able to analyze loan documents and other account information * Ability to operate related computer applications and software required to complete assigned responsibilities. * Proficient math and reading skills.

Please reference the schedule and minimum qualifications listed below before applying. If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at ************ option 1 or email *********************** and every reasonable effort will be made to accommodate your needs in a timely manner. Job SummaryA Consumer Loan Servicing Specialist assists with questions, modifications, and adjustments involving booked (post-origination) consumer loan products. These can include (but are not limited to) auto/ RV, Visa, signature, student, and home equity loans. The primary responsibility of a specialist is to answer calls from an in-bound queue. Calls may come from members, support teams (other employees) or third parties. A specialist may also assist with outbound follow up calls, chats, emails, and fax requests. Services provided by a specialist should be timely and accurate to strengthen the financial relationships of our membership. Specialists must maintain a working knowledge of Mountain America Credit Union consumer loan products, processes, regulations, and services. Specialists should be able to effectively communicate with callers for servicing and/or education on existing loan relationships.Job Description LOCATION Remote in MACU Footprint SCHEDULE Part-time; Monday - Friday 10:00am - 3:00pm; Rotating Saturdays 9:00am - 3:00pm JOB SUMMARY A Consumer Loan Servicing Specialist assists with questions, modifications, and adjustments involving booked (post-origination) consumer loan products. These can include (but are not limited to) auto/ RV, Visa, signature, student, and home equity loans. The primary responsibility of a specialist is to answer calls from an in-bound queue. Calls may come from members, support teams (other employees) or third parties. A specialist may also assist with outbound follow up calls, chats, emails, and fax requests. Services provided by a specialist should be timely and accurate to strengthen the financial relationships of our membership. Specialists must maintain a working knowledge of Mountain America Credit Union consumer loan products, processes, regulations, and services. Specialists should be able to effectively communicate with callers for servicing and/or education on existing loan relationships. To be effective, an individual must be able to perform each job duty successfully. Provide quality service to credit union members, support teams, and third parties to resolve loan problems and enhance financial relationships with Mountain America members Adhere to department quality service standards in call handling, internal reviews, compliance reviews, and member satisfaction responses Assist with loan correction requests. Correction requests may require interest calculations, credit reporting disputes, payment adjustments, and other loan corrections. A specialist should determine the merit of a request and whether a correction or education will be provided Perform loan, share, payment, and error adjustments in Symitar Handle loan payoff requests in a timely and accurate manner Record all interactions and resolution efforts in Symitar Advise on Loan Servicing Support requests regarding adjustments, credit reporting, flood insurance, subordinations, reconveyances, Servicemembers Civil Relief Act (SCRA) benefits, and check payments/payoffs Provide support and servicing for loan protection related questions including proof of insurance and debt cancellation products Act as a liaison to the Titles team for title related questions on collateral vehicles to assist in securing, updating, and releasing MACU liens Maintain a detailed knowledge of MACU consumer loans, processes, products and current promotions through ongoing trainings, department updates, Knowledge Center instructions, and credit union internal communications Educate callers on MACU loan processes and regulations, as it pertains to individual requests Comprehend and interpret loan documents to create mutual understanding with callers Comply with federal regulations and credit union guidelines applicable to loan origination and servicing Build and maintain a cooperative working relationship with personnel from branches, Service Center, and other support teams to assist with servicing questions or concerns Uphold professional communication in all interactions, including escalated situations Respond to requests through email, chat, or Online branch messaging systems May assist in training other Loan Servicing employees, as needed. Perform other duties as assigned. KNOWLEDGE, SKILLS, and ABILITIES The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. Experience Minimum of one year customer service or contact center experience required Minimum of one year banking or other financial experience (i.e. titles, insurance, mortgage, etc.) preferred Education High school diploma or equivalent Licenses, Certificates, Registrations Must meet/exceed all performance expectations Computer/Office Equipment Skills Basic computer operating skills Basic phone operating skills Intermediate skills in Microsoft Office (Outlook, Word, Excel) Must be proficient in all relevant internal systems Type a minimum of 35 words per minute preferred. Symitar and 10-Key experience preferred. Managerial Responsibility Have no supervisory/managerial responsibilities Other Skills and Abilities Critical thinking and creative problem solving Must have the ability to speak and write in English Maintain professional phone, chat, and email etiquette Exceeds performance goals and expectations PHYSICAL ABILITIES / WORKING CONDITIONS Physical Demands Ability to talk, hear, sit, use hands to handle or feel and reach with hands and arms consistently Ability to stand, walk, kneel and crouch occasionally Vision Requirements Close vision (clear vision at 20 inches or less) Distance Vision (clear vision at 20 feet or more) Weight Lifted or Force Exerted Ability to lift up to 10 pounds consistently and up to 25 pounds occasionally Environmental There are no unusual environmental factors Noise Environment Moderate noise (business office with computers and printers, light traffic) #LI-BH1 Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers. High school diploma or equivalent and appropriate licenses as required by state. Valid driver's license and current automobile liability insurance. A minimum of 12 months loan originator experience required. Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. Ability to quickly assess and process large amounts of data and use of appropriate AU software technology. Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts. Continue to expand knowledge of issues influencing the industry and the organization. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required. Markets and promotes PrimeLending's financial products; Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set. Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. Collects and analyzes information regarding the customer's income, assets, investments or debts. Advises the customer regarding the advantages and disadvantages of different loan products. Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information. Oversees the loan process by monitoring loan status and ensures conformity with terms. Communicates loan status to all interested parties, and obtains loan documentation after closing. Presents terms and conditions of loans with customers. Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages. Maintains a professional image and adheres to standards consistent with company policies and procedures. May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s). Other duties as assigned.