Mortgage Loan Officer

OneAZ Credit Union
paid time off, paid holidays, sick time, tuition reimbursement, 401(k)
United States, Arizona, Phoenix
Apr 09, 2025
Join Us in Making an Impact At OneAZ Credit Union, our success is measured only by yours. We're here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters-you've found it! Who You Are You're impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let's build something great together. What You'll Do This position will be located at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027 Mortgage Loan Officers act as ambassadors within their communities on behalf of OneAZ Credit Union. They assist members with their mortgage needs and works with assigned branches as subject matter experts to develop internal referrals. As professional sellers, they are responsible for developing outside mortgage loan business, working with realtors, builders, and other sources. Responsible for interviewing applicants for real estate loans and originating applications consistent with credit union policies and all applicable Real Estate-specific NCUA, federal, wholesale and secondary market real estate lending rules and regulations. Gathers background information and analyzes loan applicants' credit history. Requires the ability to liaison between multiple Real Estate Lending teams, branches and branch associates. members, and credit union departments. Effectively works with branches and community real estate professionals in assigned market, to build relationships, assist partners and branch associates in understanding real estate loan products and processes, and markets credit union real estate loan product line to new and existing members. Develops mortgage loan business through member seminars and calls on realtors, contractors, and other potential sources. Interviews applicants and requests specified information for loan application. Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation. Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation. Corresponds with or interviews applicant or creditors to resolve questions regarding application information. Compiles loan package and facilitates negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms. Required to accurately use multiple computer programs in completing work, including the loan originating system, MS Word, MS Excel, MS Windows, and other computer programs as required. Adheres to all internal policies and federal regulations regarding origination of mortgage loan and applicable deadlines. Identifies and analyzes potential loan markets to develop prospects for residential real estate loans. Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations. Promotes and cross-sells other establishment products and services as appropriate to member requirements. Actively participates in scheduled call nights, call blocks, to conduct outbound calls to centers of influence, new members, and potential members. Actively participates in scheduled outside business activities to develop relationships with external partners to gain referral. Completes regular educational and compliance courses to stay abreast of internal and industry changes. What You Bring High School Diploma Bachelor's Degree Preferred 1 to 3 years of similar or related experience. Minimum two years residential lending experience. Thorough knowledge in loan origination and closing requirements for conventional, construction, and non-conforming portfolio loan programs. (High proficiency) A passion for people, innovation, and growth. Not sure if you meet every requirement? That's okay. We believe great talent comes from all backgrounds and experiences. At OneAZ, we value potential, passion, and purpose. If you're excited about this opportunity and believe in our mission, we encourage you to join our Talent Community Compensation & Benefits Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time Low-cost Medical, Dental & Vision plans Paid childcare assistance Award-winning 401K Gym fee reimbursement Tuition Reimbursement Student loan repayment ...and much more. Explore all the details in our comprehensive Benefits Booklet Why Join OneAZ? At OneAZ, we're not just a credit union; we're a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers. We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you'll be part of a team committed to exceeding expectations and redefining what's possible. Additional Notes: Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws. Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC). This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.