Mortgage Loan Officer

Job Description

Job Description

Join Our Team as a Mortgage Loan Officer
Location: State Street Branch – Saginaw, MI
Schedule: 40 hours/week (Monday through Friday)

Ready to take your mortgage career to the next level? At Jolt Credit Union , we're not just processing loans, we're empowering dreams. We're looking for a full-time Mortgage Loan Officer who thrives on building relationships, delivering exceptional service, and helping members achieve homeownership with confidence.

We're a credit union that runs on energy, teamwork, and a serious love for our community. If you're the type who can juggle fast-paced days, connect with members in a genuine way, and still find time to laugh with your team, you'll fit right in.

What this role requires:

• Requires a High School diploma, 3 years of mortgage experience, and strong communication, problem-solving, and member service skills.
• Credit union or financial institution experience is a plus.
• Must satisfy all requirements of the Nationwide Mortgage Licensing System and complete the registration process as needed.

Your impact as a Mortgage Loan Officer includes:

• Interview mortgage applicants and quote rates and payments.
• Prepare necessary documents for mortgage and HELOC approvals including credit bureaus, debt ratio, verifications, etc.
• Prepare documents for mortgage closings.
• Perform closings both in office and at offsite locations.
• Order Title Insurance, appraisals, surveys, flood determination, and inspections.
• Work closely with appraisers and title companies.
• Input all mortgages into the loan origination system and collect source documents.
• Update and prepare annual HMDA Reports.
• Make sure collection comments are up to date.
• Monitor balloon mortgage review dates and contact members accordingly.
• Prepare discharges.
• Process payoff requests and post payoffs.
• Respond to emails and phone calls in a timely manner.
• Attend outside seminars.
• Establish and maintain a referral relationship with area realtors for a consistent referral exchange along with regular visits to realty offices to procure new referrals.
• May answer statement calls, balance inquiries, or calls on credit union services.
• Demonstrate an understanding of and adheres to the requirements of all federal, state, and local laws, including those of the Bank Secrecy Act (BSA) and the Office of Foreign Assets Control (OFAC), as it specifically relates to the job functions.

The strongest candidates will bring:

• At least two years credit union operations knowledge (preferred).
• Strong knowledge of mortgage lending products (preferred).
• Accounting, Loan, and Member Rep background helpful.
• Microsoft Outlook or similar email/calendar program knowledge.
• Experience with job-specific computer systems.

Why Jolt? Here, you'll do more than close loans. You'll open doors for people in our community. We're deeply committed to supporting our members, our team, and the neighborhoods we serve. If you're ready to grow your career while making a meaningful difference, Jolt is the place to do it.