The Mortgage Loan Officer 3 originates Portfolio, Conventional, FHA/VA, Jumbo and Construction mortgages for TDECU members. The Mortgage Loan Officer will expand TDECU's mortgage sales opportunities through branch referrals, realtor and builder referrals, telephone, and internet channels while ensuring an optimal member experience.

Essential Duties and Responsibilities:

1. Grow and maintain referral relationships with network of realtors, builders and members in association with the TDECU member base.

2. Take complete and accurate loan applications into the computerized mortgage system, providing members with all required disclosures, as well as obtaining all necessary support documents.

3. Pre-qualify members for the identified mortgage program/product and match them with TDECU mortgage products that best meet the member's needs.

4. Negotiate terms and conditions of loans with members in accordance with Credit Union policies and procedures.

5. Lock loans for members in accordance with TDECU policies and procedures. Maintain a thorough knowledge of all mortgage products and services, including forms and documentation for each type of loan.

Minimum Qualifications:

Education: High School Diploma or GED.
Experience: Minimum 4+ years as a Mortgage Loan Officer with a proven track record of success. Experience with conventional, FHA, VA and jumbo mortgage products strongly preferred. Must qualify for NMLS licensing, be Safe Act compliant and be able to get licensed in the state in which you will be originating loans. Must have an NMLS registration number.

Knowledge, Skills and Abilities:

Strong desire to be a part of a collaborative, team-first environment.
Strong desire to learn and has a continuous improvement mindset.
Passion for providing best-in-class member service.
Strong member service skills.
Ability to evaluate loan applications and supporting documentation.
Ability to perform complex income analysis including the ability to analyze complex tax returns, including corporate, partnerships, and sub-s corporations.
Demonstrated knowledge of conventional and/or government lending guidelines, mortgage processing, underwriting and closing procedures, and regulatory compliance.
Comply with SAFE Act legislation, which requires annual registration as a Mortgage Loan Originator (MLO).
Ability to adapt to an ever-changing work environment
Able to work in a fast-paced, deadline driven environment
Proficient at working with various software and technology applications
Perform additional duties as may be assigned.

Physical Demands and Work Environment:

(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

While performing the essential duties of this position, an employee would frequently be required to stand, walk, and sit. An employee must frequently lift and/or move up to 10 pounds and may occasionally lift and/or move up to 25 pounds to perform essential position functions.
Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.

Disclaimer

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any
basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin or other status protected
by federal, state or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in
the application process.