Louisiana FCU is looking to hire a full time Mortgage Loan Officer in Gonzales. We are looking for a Mortgage Loan Officer to join our team for the Gonzales and Baton Rouge area! The Mortgage Loan Officer is paid a base salary and commission. The base salary range is $54K plus commission. Role As an integral member of the Louisiana FCU team, you’ll be responsible for executing a diverse range of tasks in collaboration with other departments to deliver cost-effective financial services that prioritize the well-being of our members, who are our primary focus. The role involves daily business interactions while consistently aligning with Louisiana FCU’s mission, culture, core values, and core behaviors. Initiative and sound judgement are crucial, particularly in the absence of specific direction from management. The position is dedicated to adding value through decision-making that aligns with credit union goals and interests, all while upholding Louisiana FCU’s service standards and ethical principles. A key objective is to contribute to the growth of Louisiana FCU’s mortgage lending by guiding customers and members through the entire process, from loan application to the closing of a mortgage loan.

Major Duties and Responsibilities:

• Develop strategic business partnerships to establish a robust referral network.
• Prospect daily to expand networking and contacts through face-to-face and telephone interactions.
• Build strong relationships with customers and Louisiana FCU members to understand and fulfill their financial needs.
• Take thorough loan applications in adherence to applicable regulations.
• Effectively communicate with peers, members and management.
• Meet all NMLS requirements to obtain the required license, including training, testing, and background checks.
• Exceed loan production standards set annually based on credit union goals.
• Actively participate in Louisiana FCU-sponsored events and education classes.
• Coordinate all aspects of the mortgage loan application process.
• Actively cross-sell additional Louisiana products and services.
• Uphold promises and commitments, maintaining trust through consistent and honest actions.
• Stay informed about Louisiana FCU products and services to recommend suitable solutions to members.
• Perform tasks assigned by the supervisor commensurate with the position.

Leadership Responsibilities:

• Encourage cooperation among peers for a collective “team effort” and commitment to service expectations.
• Lead by example, demonstrating initiative and openness to change.
• Foster a positive and consistent departmental attitude, taking ownership of issues and following up as needed.
• Participate in approved continuing education to enhance professional growth.
• Hold oneself and others accountable for professional and ethical behavior.
• Maintain positive relationships, share credit for accomplishments, celebrate successes, and take responsibility for mistakes.

Service Responsibilities:

• Promote and maintain a positive credit union image to personnel, members, and the community.
• Maintain professional, persuasive communication and a courteous attitude when working with internal and external members.
• Acts as a voice of the credit union, keeping promises and commitments, and upholding the highest standards of integrity, honesty, and trust.
• Abide by Louisiana FCU’s commitment to a Sales and Service Culture.

Community Responsibilities:

• Participate in community outreach by volunteering for various opportunities throughout the year.
• Fulfill all required training within specified time frames.
• Successfully complete XINNIX training program within assigned time if under three years of experience.
• Ensures lending operations are conducted in accordance with established Credit Union policies.
• Adheres to all local, state and federal laws/regulatory requirements as related to functional areas including Truth in Lending, Reg. B, Reg. Z and Bank Secrecy Act.

Knowledge Needed:

• Experience Preferred three-year previous mortgage origination experience.
• Understanding of mortgage loan requirements, processing functions, and underwriting criteria.
• Education - Bachelor's degree preferred or a combination of education and work experience in sales and/or real estate.
• Demonstrated proficiency in Microsoft Outlook, Word, Excel and PowerPoint Database management preferred but not required.
• Experience with Mortgage Loan Origination Systems.
• Knowledge of the mortgage and/or real estate market a plus.

Skills Needed:

• Exceptional work ethic
• Strong oral and written communication skills
• Excellent interpersonal skills
• Superb listening skills
• Good presentation skills
• Foundational sales skills
• Quality team player
• Interpersonal skills
• A significant level of trust and diplomacy is required to be an effective subject matter expert in the position.
• In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience.
• Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

Other Skills:

• Proficiency in computer applications and other business equipment.
• Must have the ability to learn new programs and work in a professional manner. Must be able to work quickly, independently and accurately.
• Must have excellent written and oral communication skills.
• Ability to perform non-complex arithmetic calculations (addition, subtraction, multiplication, division, percentages).

Physical Requirements:

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the 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; use hands to finger, handle, or feel including the use of a computer keyboard; reach with hands and arms; talk, convey detailed or important instructions or ideas accurately, loudly, or quickly; and hear, including the use of a telephone.
• The employee is frequently required to walk.
• The employee must occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this job include color and texture perception, as well as the ability to adjust focus.

Work Conditions:

• Must be able to routinely perform work indoors in climate-controlled shared work area.
• The noise level in the work environment is usually moderate.

Mental and/or Emotional Requirements:

• Must be able to perform job functions independently and work effectively either on own or as part of a team.
• Must be able to plan and direct the work activities of self-and/or others.
• Must be able to read and carry out various complicated written and oral instructions.
• Must be able to speak clearly and deliver information in a logical and understandable sequence.
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate the highest levels of customer service and discretion when dealing with the public.
• Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising the highest level of discretion on both internal and external confidential matters.

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