Job Scope:

Originates, reviews, and evaluates mortgage loan applications and makes recommendations; counsels members regarding appropriate financial planning and practices; provides members with superior quality service aligned with Sunward’s core values. Works with increasing independence to manage lending and sales activities, applying consultative techniques and growing member relationships while ensuring compliance with policies and regulations.

Essential Functions

• Independently interviews and processes mortgage loan applications through multiple channels, including appointments, web applications, phone, and walk-ins.
• Originates and evaluates a variety of mortgage loan products, including construction loans, with guidance for complex or unusual situations.
• Conducts thorough credit and financial assessments, analyzing supporting documentation (e.g., paystubs, W-2s, tax returns, asset statements) to evaluate creditworthiness and structure appropriate loan solutions.
• Reviews property-related documentation, including purchase agreements, warranty deeds, and real estate contracts, ensuring accuracy and alignment with lending standards.
• Discloses loan applications accurately and in a timely manner, ensuring compliance with state and federal regulations.
• Documents approval or denial decisions with clear reasoning and supporting documentation in loan notes, applying independent judgment within established guidelines.
• Provides a consultative and personalized member experience by actively listening, assessing needs, explaining product features and benefits, and recommending tailored solutions.
• Educates members on mortgage products, creditworthiness, underwriting guidelines, interest rates, and other financial considerations to support informed decision-making.
• Manages a personal pipeline of loan opportunities, prioritizing leads, following up regularly, and ensuring accurate status updates throughout the loan process.
• Cultivates and maintains internal relationships with branch staff and frontline teams to generate referrals and enhance collaboration.
• Builds external relationships with realtors, builders, and referral partners, participating in community events, seminars, and outreach activities to expand business opportunities.
• Identifies and recommends complementary products or services to meet member needs, applying consultative prompts and cross-sell techniques.
• Applies in-depth knowledge of lending products, underwriting criteria, and compliance regulations independently, proactively identifying and addressing potential risks.
• Exercises independent judgment in managing loan processes and member interactions, escalating complex or unusual situations appropriately.
• Contributes to team development by mentoring or assisting new loan officers and sharing best practices with peers.
• Engages in ongoing professional development, attending schools, seminars, and training to expand product, regulatory, and process knowledge.
• Completes all steps required for registration and annual renewal with the Nationwide Mortgage Licensing System and Registry (NMLS) and maintains compliance with SAFE Act requirements.
• Strives to meet or exceed assigned individual and department origination goals while maintaining a high standard of member service.
• Performs other duties as assigned by management.