Mortgage Loan Officer

Job Details

Job Location

Billings - Shiloh Branch - Billings, MT

Secondary Job Location(s)

Billings - West Park Branch - Billings, MT

Job Category

Banking

Description

Who We Are

We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, "We Improve Lives." This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.

At Black Hills Federal Credit Union (BHFCU), we're committed to improving the lives of our members every day, and we look for people who share that passion. Don't have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.

General Purpose : Responsible for originating both internal and external mortgage loans by supporting local branches, working leads from various internal sources, developing outside referral relationships, and driving external production.

Essential Duties / Responsibilities :

• Work leads from multiple sources, including referrals, online inquiries, and branch-generated leads.
• Proactively source and develop new business opportunities through networking, referrals, and marketing strategies.
• Meet with clients to understand their financial needs and goals and provide expert advice on mortgage products and services.
• Prepare and submit loan applications, ensuring all documentation is accurate and complete.
• Maintain a strong understanding of local real estate market trends and industry regulations.
• Relationship Management : Build and maintain strong relationships with clients, real estate agents, and other industry professionals.
• Ensure all loan files comply with regulatory requirements and company policies.
• Achieve and exceed sales targets and performance metrics.

Other Duties / Responsibilities :

Job Knowledge :

Job Qualifications (Skills) :

BHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position. The following list outlines the physical considerations that are normally encountered in this job.

Job Qualifications (Ability) :

Job Qualifications (Education / Experience) :

Job requires a four-year college level of language, math and reasoning skills. Three years' consecutive experience as Personal Mortgage Associate or minimum of five years' direct experience and skill in the areas of real estate lending or a related field. Formal training should be supplemented with continuing education.

This role requires building and maintaining strong relationships with all departments within the credit union to foster mutually beneficial partnerships. The ideal candidate will possess extensive knowledge of local market trends and industry standards.

This position requires flexibility and high professional standards of personal appearance, conduct, judgment, and the highest level of confidentiality.

Working Conditions :

Material and Equipment Involved

Work Environment / Physical Activities

Frequent travel to one of BHFCU's branch locations or attendance at community events will be required.

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 20 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.

Mental and / or Emotional Requirements

Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and / or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.

Notice : This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment. Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods. This position is also subject to all the personnel policies of Black Hills Federal Credit Union. Changes may be made to this job description at any time by the President. Black Hills Federal Credit Union is an equal opportunity employer.

Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.