Mortgage Credit Supervisor jobs in Joplin, MO

O V E R V I E W

The Mortgage Loan Officer provides information on Infuze Credit Union products and services to members according to all internal policies and procedures and state and federal regulations. The Mortgage Loan Officer reports to the VP of Mortgage Lending and is responsible for interviewing applicants for loans; preparing, assessing, processing, and documenting all required forms and related documentation; and promoting Credit Union products and services.

DUTIES & RESPONSIBILITIES

• 20% Interview loan applicants and those requesting refinancing or loan modifications and assist members with the loan application process, including but not limited to pulling credit reports for all accounts, verifying debts, and estimating monthly payments for any outstanding debts not listed on the application.
• 20% Communicate reasons for denial and/or explore options for members when loans are denied. Answer member questions related to mortgage loans.
• 20% Obtain and evaluate credit bureau reports on applicants. Calculate debt-to-income/debt service ratios on loan applicants and calculate how much of the applicant's debt is secured or unsecured. Ensure that real-estate loans are processed accurately.
• 15% Maintain contact and positive working relationships with real estate agents/brokers, attorneys, and contractors to ensure continued mortgage avenues. Attend community events, when requested, and present a favorable image of the organization.
• 10% Develop mortgage loan business through member seminars, calls to realtors, contractors, and other institutions. Resolve complaints from members and nonmembers in a professional manner.
• 10% Communicate regularly with members, realtors, and others, as needed. Use all mediums of communication, including in-person appointments, phone calls, and/or electronic communication methods (e.g., email, text). Provide information regarding current loan policies and procedures.
• 5% Perform other duties as assigned.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

A C K N O W L E D G E M E N T

This job description is not a contract and should not be presumed to guarantee employment. Infuze Credit Union is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race, color, religion, gender, national origin, disability, age, or any other category protected by law.

EDUCATION

High school or GED required.

EXPERIENCE & SKILLS

• Two to five years of similar or related experience required.
• Familiarity with sound analytical and lending procedures.
• Knowledge of lending compliance guidelines and state and federal regulations.
• Willingness to follow internal policies and procedures.
• Strong communication and interpersonal skills.

A D A R E Q U I R E M E N T S

Individuals must bend, sit, and stand to perform primarily sedentary work with limited physical exertion and occasional lifting up to 40 lbs. Must be capable of climbing / descending stairs in an emergency. Must operate standard office equipment, including computer terminals and keyboards, telephones, etc. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must work extended hours or travel off-site whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.

Job Type: Full-time

Pay: $43,779.00 - $65,670.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Tuition reimbursement
• Vision insurance
• Wellness program

Compensation package:

• Bonus opportunities

Payment frequency:

• Paid biweekly

Schedule:

• 8 hour shift
• Monday to Friday

Work setting:

• In-person
• Office

Ability to Relocate:

• Lebanon, MO: Relocate before starting work (Required)

Work Location: In person