Truliant Federal Credit Union · 1 day ago
Mortgage Loan Officer - Charlotte
Charlotte, NC
Full-time
Onsite
Entry Level
1+ years expTruliant Federal Credit Union is dedicated to improving lives by providing exceptional service and financial solutions. The Mortgage Loan Officer is responsible for acquiring new residential mortgage business, developing relationships for referrals, and ensuring a high level of service throughout the loan process.
Banking
Responsibilities
Responds to customer inquiries and referrals that are generated from personal contacts and from other Truliant Federal Credit Union business channels
Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advises borrowers of product/pricing policies and guidelines, and gathers any additional required information
Ensures exceptional member service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements
Develops and maintains successful relationships with business referral sources, existing and prospective Truliant Federal Credit Union through marketing, cold-calling, prospecting and networking activities
Meets with members as necessary during various stages of the loan process
Utilizes Truliant Federal Credit Union training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external members and internal business partners
Provides complete loan applications to fulfillment center partners
Ensures exceptional member experience by overseeing loan process from origination to close and providing on-going communication to members and business partners
Oversees and ensures successful completion of all assigned Mortgage Loan Officer Training activities
Participates in community efforts to promote home ownership
Presents appropriate Truliant Federal Credit Union products and programs and explains guidelines
Works with Mortgage Processor, Underwriter, and all other Mortgage Staff to ensure that loan docs are submitted to processing within 7 days or as modified by Truliant Federal Credit Union
Works with Mortgage Processors to ensure that loan conditions are met
Maintains current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements
Assists with other tasks and projects as assigned
Qualification
Required
Must have sound understanding of standard concepts, practices, procedures, regulations and compliance within the loan origination environment, as well as services offered by the credit union
Must have a thorough knowledge of first and second mortgage real estate lending, including mortgage processing, underwriting, and closing procedures, and any regulatory compliance relating to real estate lending
Must have a continuing knowledge of insurance products offered and underwriting guidelines to ensure the loans are insurable to protect the credit union's loan-to-value in the collateral
Must show demonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals
Must have verifiable, established network of referral business including Real Estate professionals and other centers of influence
Must have strong computer skills including a fundamental understanding of MS applications, database management and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information
Must have solid time management skills and the ability to organize prioritize and perform multiple tasks simultaneously
Must have ability to analyze and comprehend complex financial data and provide financial alternatives
Must display professionalism and effective interpersonal skills
Must have excellent communication skills in English, both verbal and written
Must have ability to understand all business processes within the Credit Union
Must meet requirements to be bonded
Must be detail oriented and well organized
Must be able to work in a general office environment
Must be able to complete all assignments with minimal supervision
Should possess a strong commitment to providing excellent service to Truliant's members
Bachelor's degree in Business or Finance or related experience with loan processing, or financial services preferred
Must pass the NMLS-developed S.A.F.E. Mortgage Loan Originator Test with a score of 75% or better within one year, or demonstrate equivalent proficiency based on industry experience
Minimum of 1 year residential mortgage lending experience with a focus on generating self-sourced business required
Benefits
No-cost employee Medical, dental, vision coverage
Prescription benefits (including mail order)
Paid holidays and Paid Time Off (PTO)
401(k) plan with contribution matching
Paid community involvement volunteers hours
Paid group life Insurance
Teammate loan discounts
Tuition reimbursement
Short and long-term disability
Health & Wellness program
Teledoc (physician video conferencing)
Onsite fitness facilities or health club reimbursement
Employee Assistance Program (EAP)
Medical flexible spending account
Dependent care flexible spending account
Company
Truliant Federal Credit Union
Truliant is federally insured by the National Credit Union Administration and is an Equal Housing Lender
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Todd Hall
CEO/President
Recent News
SC Biz News
2025-11-08
2025-11-04
2025-11-04
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