Sr. Home Loan Officer - Business Development

Sales-focused mortgage role supporting member lending and outside referral growth in Albany, OR (temporarily remote).

Responsibilities

• Meet minimum established individual goals each month.
• Generate borrower leads through in-person calls on real estate agents and brokers, financial advisors, builders, and other referral sources.
• Meet prospective clients at locations outside of Gesa as needed.
• Attend open houses and other industry events as needed.
• Complete loan origination thoroughly and in alignment with Credit Union policies and procedures.
• Ensure approved loans comply with applicable regulations and established standards with zero errors.
• Maintain a professional, courteous, and friendly atmosphere for members and co-workers.
• Use working knowledge of mortgage products and rates across the Credit Union and the broader industry.
• Troubleshoot and resolve member and internal inquiries in a timely, friendly, and accurate manner.
• Interview members for residential mortgage loans and clearly explain financing and mortgage program requirements.
• Inform members of preliminary financial analysis results.
• Calculate loan estimates and monitor loan status to process in a timely manner.
• Perform Bank Secrecy Act (BSA) functions as applicable to job responsibilities.
• Attend Credit Union training sessions, conferences, and seminars as approved by supervisor, maintaining awareness of relevant policies and regulations.
• Build positive relationships with real estate agents and members of the community to increase loan sales production.
• Promptly report areas and actions of concern to the supervisor as actionable items.
• Control risk and perform duties in a safe and sound manner.
• Maintain and protect sensitive data using the highest standard of confidentiality and professionalism, showing respect for diversity and varying levels of knowledge.

Requirements

• 3 to 5 years of similar or related experience; mortgage lending experience desired.
• High school diploma or equivalent completion of specialized course of study, training, and experience.
• Bachelor’s degree in Business Administration or Finance preferred (not required).
• Obtain and maintain a valid NMLS Mortgage Loan Originator Identification (MLO) Number.
• Extensive knowledge of conforming and non-conforming loans (secondary market definitions desired).
• Experience with Desktop Underwriting or other lending-specific software desired.
• Proven outside sales track record desired, including development of new business through calling the real estate community and membership in professional organizations.
• Experience in loan origination consistent with FNMA guidelines; FHA and VA loan originations desired.
• Proficiency with standard office equipment, lending software, spreadsheets, and word processing.
• Independent travel required to achieve training and business objectives.
• Valid Driver’s License required.

Technologies

• NMLS Mortgage Loan Originator Identification (MLO) Number
• Desktop Underwriting
• Lending software
• Spreadsheets
• Word processing

Temporary Remote and Travel

• Temporarily remote position in the Oregon area.
• Occasional travel to Gesa locations may be required to fulfill job requirements.

Salary

• USD 45,760 - 350,000 per year (Base/Commission)
• Full pay range listed; most new team members typically start between the minimum and midpoint based on experience and qualifications.

Benefits

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year Paid Time Off plus 10 Paid Holidays
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

Other Hiring Conditions

• Selected candidate(s) must be able to pass a pre-employment credit/background check.
• Equal Opportunity Employer and strong advocate of workforce diversity.
• Job description may be revised or changed as the need arises.
• Not all responsibilities are listed and does not constitute a written or implied contract of employment.

Accessibility Accommodation

Reasonable accommodations will be provided for individuals with disabilities to participate in the application or interview process, perform essential job functions, and receive other benefits and privileges of employment. Contact HR at (509) 378-3100 or [email protected] to request an accommodation.