Experienced Mortgage Loan Officer - Bangor Market
Job Description
Job Summary:
Among other responsibilities, the successful candidates will:
- Review and evaluate information on mortgage loan documents to determine if buyer, property, and loan conditions meet credit union and governmental standards. Approve or reject loan application or request additional information. Establish terms and conditions of an approved loan and review with member.
- Cross-sell other credit union services.
- Develop relationships with the Real Estate Broker community to create a network of contacts and referral sources.
- Actively solicit opportunities to provide all types of government loans including FHA, Rural Development, VA, MSHA, etc.
- Interview loan applicants to record income, debt and credit history and requests appropriate documentation to verify the accuracy of information provided, including tax returns, bank accounts, purchase agreements, and property descriptions, and other required documents.
- Determine if the applicant meets Credit Union standards for further consideration and/or calls applicant or other person(s) to resolve discrepancies. Informs the applicant of closing costs, such as appraisal, credit report, and notary fees. Answers applicant's questions and asks for signature on information authorization forms.
Skills/Qualifications
- Five to ten years of similar or related experience
- Superior interpersonal, written and verbal communication skills
- Knowledge of secondary market and experience with first and second mortgage residential real estate lending
- Proficiency in all MS Office applications
Education
- A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or job-specific skills acquired through an apprenticeship program.
- Required to have or attain the NMLS registration.
Maine Savings offers an excellent compensation package as well as the opportunity to thrive in a challenging, fun, and exciting environment. Maine Savings also offers health insurance, dental and vision insurance, 401k with company match, paid holidays, a generous Paid Time Off program, employee referral program, employee discounts, continuing education and student debt relief programs, longevity bonuses and more!
Maine Savings is a growing modern financial institution offering members a full range of financial services. With over 38,000 members and nearly $800,000,000 in assets, Maine Savings is among Maine’s largest credit unions. With 11 branches, nearly 150 employees, and state-of-the-art technology, Maine Savings is committed to providing its members in-person service and modern conveniences. Founded in 1961 by employees of the Bangor and Aroostook Railroad Company, Maine Savings continues to serve its membership as a federally insured not-for-profit credit union.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
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