Job Information
GESA CREDIT UNION Home Loan Officer - External in Yakima, Washington
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 Union{target="_blank" rel="nofollow noopener"}
Role Summary:
The Home Loan Officer generates leads, establishes and maintains referral relationships and assists members with their mortgage lending needs. Analyze loan requests and make credit decisions based on mortgage lending policy. Originate real estate first mortgage loans for the credit union's portfolio or for sale on the secondary market for existing members and for new members acquired through business development efforts and outside sales. Project a professional image and maintain confidentiality with all customer and critical data.
What You Will Be Doing:
- Meet the minimum established individual goals each month.
- Make in person calls on real estate agents and brokers, financial advisors, builders and other potential referral sources to develop borrower leads. It is expected the External Loan Officer will spend significant time out of the office selling loan products and generating leads.
- Meet prospective clients at locations outside of Gesa as needed.
- Attend Open houses and other industry events as needed.
- There are no set working hours and External Loan Officers are expected to schedule their work as needed to be successful.
- Ensure that all approved loans follow established loan standards and have zero errors.
- 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.
- Track status of loans, process loan in a timely manner.
- 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.
- Build positive relationships with real estate agents and members of the community to increase production of loan sales.
- 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 sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.
About You:
Ability to multi-task on numerous projects simultaneously.
Ability to effectively communicate in writing, in person and over the phone.
Ability to make quality decisions in a timely manner with utmost attention to detail.
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