Senior Mortgage Loan Originator - Twin Falls

How to apply: Complete an Online Application at our website www.capedcu.com for the specific job opportunity that interests you. Resumes are not accepted in lieu of an application.

* This position will be partially remote, with the expectation of being in the office in person on a rotating basis.

Role: The Senior MLO promotes member financial well-being and community enrichment through offering mortgage lending products to existing and prospective members. This position educates members on mortgage lending services and the full range of credit union products with the goal to grow, retain and expand CapEd's Mortgage relationships. Provides subject matter expertise to the Mortgage Lending team and all departments of the organization on Mortgage products/services.

Essential Functions & Responsibilities:

• Engages members and potential members in conversations to uncover financial needs including counseling and pre-qualifying potential home buyers, with the objective of enriching the member experience and deepening their relationship with CapEd by linking products and services of value. Monitors all member interactions from application to closing.
• Consults prospective borrowers and obtains information regarding earnings and financial condition to evaluate the applicants creditworthiness and ability to re-pay the loan. Evaluates loan conditions, repayment methods and collateral specifications, within lending authority. Gathers additional information to complete the mortgage loan application and provide an error free disclosure.
• Assembles and organizes documents according to procedures before submitting to the processing and underwriting department for approval.
• Enriches member relationships by reaching out to current members with the objective of deepening their relationship with CapEd by cross selling mortgage products/services and linking other services of value.
• Contacts potential members and establishes relationships with professionals in the housing market to foster and obtain new mortgage relationships and expand the credit unions portfolio. Offers various mortgage products and services to fit the needs of members.
• Attends and participates in community affairs and professional groups to attract new business and/or present information as needed.
• Maintains a thorough knowledge of mortgage lending regulations, policies and procedures, keeps up to date on local real estate market and competitive environments, and maintains familiarity of new mortgage lending products or service trends. Maintains knowledge of all Credit Union products, services, and promotions.
• Contributes to efficient Credit Union operations by performing other job-related duties as assigned.

Knowledge and Skills:

Experience: Three years to five years of similar or related experience.

Education: A college degree and/or professional certification in specialized field of work preferred or equivalent experience and/or education.

Critical Job Competencies:

Brand Promise and Values: To make a difference - every member experience matters. Employees of CapEd carry out our promise and values of EP!C by being Empowered - We are knowledgeable and trusted to make decisions. Professional - We are respectful in creating outstanding experiences. Innovative - We seek new ideas for positive change. Collaborative - We connect with each other to implement solutions.

• Contributing to Team Success: Actively participating as a member of a team to move the team toward the completion of goals.
• Follow-Up: Establishing procedures to monitor the results of delegations, assignments, or projects; taking into consideration the skills, knowledge, and experience of the assigned individual and characteristics of the assignment or project.
• Quality Orientation: Accomplishing tasks by considering all areas involved, no matter how small; showing concern for all aspects of the job; accurately checking processes and tasks; being watchful over a period of time.
• Work Standards: Setting high standards of performance for self and others; assuming responsibility and accountability for successfully completing assignments or tasks; self imposing standards of excellence rather than having standards imposed.

Very Important Competencies:

• Building Partnerships: Identifying opportunities and taking action to build strategic relationships between ones area and other areas, teams, departments, units, or organizations to help achieve business goals.
• Gaining Commitment: Using appropriate interpersonal styles and techniques to gain acceptance of ideas or plans; modifying ones own behavior to accommodate tasks, situations, and individuals involved.
• Initiating Action: Taking prompt action to accomplish objectives; taking action to achieve goals beyond what is required; being proactive.
• Sales Ability/Persuasiveness: Using appropriate interpersonal styles and communication methods to gain acceptance of a product, service, or idea from prospects or clients.
• Stress Tolerance: Maintaining stable performance under pressure or opposition (such as time pressure or job ambiguity); handling stress in a manner that is acceptable to others and to the organization.

Physical Requirements:

he physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and/or remain in a stationary position; use hands to finger, handle, operate, input or feel; reach with hands and arms in any direction; talk, communicate, converse, exchange information and hear; balance, kneel, walk and stand, occasionally moving and traversing; and will frequently use a computer and/or phone. There may be repetitive motions, making substantial movements of the wrists, hands, and/or fingers. The employee needs the ability to wear personal protective gear correctly. This is considered sedentary work: exerting up to 10 to 25 pounds of force occasionally and/or a negligible amount of force frequently or consistently to lift, carry, push, pull or otherwise move objects, including the human body. Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The worker is subject to inside environmental conditions: protection from weather conditions but not necessarily from temperature changes and/or seasonal brightness through windows. This position may involve periodic stressful conditions. The Credit Unions business days are Monday through Saturday between the hours of 8:00 a.m. to 6:30 p.m.; however, this position may occasionally require an adjusted work schedule, overtime, and to include evening/weekend hours. The noise level in the work environment is usually moderate.

Disclaimer:

NOTICE: This job description does not create a contract of employment and at all times your employment, if any, remains at will. This job description also in no way limits the duties to be performed by the employee, which may be assigned or modified from time to time by Capital Educators Federal Credit Union. Please know that Capital Educators Federal Credit Union is an Equal Employment Opportunity Employer and all decisions regarding employment including hiring and promotion are based on the individual meeting the essential functions of the job, with or without reasonable accommodation, and without a direct safety threat or undue hardship.