+-----------------------------------------------------------------------+| |+-----------------------------------------------------------------------+| |+-----------------------------------------------------------------------+| |+-----------------------------------------------------------------------+| |+-----------------------------------------------------------------------+| |+-----------------------------------------------------------------------+| |+-----------------------------------------------------------------------+| Position: Mortgage Loan Officer || Reports To:Mortgage Sales Manager || Position Type:Exempt || Highly Specialized || || # POSITION SUMMARY || || The Mortgage Loan Officer establishes trusting relationships with || members and business partners by providing consistent high-quality || service. Uses persistence and persuasion to overcome objections. || Increases member satisfaction by being highly responsive to the needs || of members. Incorporates critical thinking when working with || membership to ascertain which option is the best fit for the members || Spend, Save and Borrow needs. Provides advice and assistance || regarding budget counseling, consolidations, pay methods, and other || areas relating to members financial needs. Well versed with a variety || of mortgage products, including Conventional, Government (FHA, VA and || USDA) and Equity Products. Up to date on all Portfolio Loan || guidelines in order to meet origination unit and volume goals. || Evaluates alternatives to ensure the solutions provided and products || recommended are in the best interest of the membership. Assesses risk || and ensures compliance with all credit union policies and procedures, || as well as Federal Laws and Regulations. Ensures all Credit Union || member information and transactions are kept confidential. Manages || the lending process, evaluates need, sells products, and maintains || knowledge of internal and competitors trends (rates, terms, etc.). || Uses technology to its fullest extent and leverages technical support || when needed to either enhance performance or solution a problem. || || Must be comfortable in an outside sales role, and be familiar with || calling on referral sources including Realtors, Builders, Investment || Advisors and other COIs in the community in order to grow the Credit || Unions membership through the origination of Purchase and || Construction Mortgage Transactions. Must be able to attend outside || events in a networking capacity promoting the 3Rivers brand and || establishing new relationships in order to grow and expand your || referral sources. Must be willing to work with the branch teams in || order to maintain member retention through various types of mortgage || transactions. Must be available to work nights and weekends when || member needs are present. || || # PERFORMANCE STANDARDS || || What does this position do? || Establishes a presence in the communities we serve by developing || effective relationships with business resources and networking leads. || Strengthens and deepens relationships within the communities they || represent. Broadens and deepens existing member relationships and || explores new opportunities for prospective members through financial || wellness conversations. Uncovers Money Matter needs, recommends and || sells appropriate products and services to maximize the profitability || of the members relationship. Combines service experience with || business needs in a way that makes sense for the membership by || blending sales and service, using sound judgment and business || practices. || || Who does this position work with to get the job done? || Routinely collaborates with community organizations and all resource || centers to ensure that communication is consistent and that || membership needs are met in a timely and efficient manner. Partners || with branch teams in order to be a touch point through development || and support. Provides flexible and responsive support to the entire || workforce in order to produce results year after year. || || What does the work from this position produce or generate? || Engages in the local community to generate leads and produces new || members. Deepens member engagement, increases wallet share and || self-service activity usage. Provides a positive sales and service || experience which includes effective and timely service. Accurate and || well-thought-out management of information generated to use in || 3Rivers decision making. || || What is the impact of this position? || Our corporate culture is defined by the working environment we create || through interactions and operating procedures and is reflected in the || way we engage, act, and respond to each other on a daily basis. || Ensures a seamless approach to membership needs. Supplies important || information to decision makers directly impacting the quality of || decisions made at 3Rivers, both strategic and tactical. Ensures || compliance with regulatory requirements, allowing 3Rivers to remain a || viable entity. Impact on the Measures that Matter by walking the talk || on employee engagement and ensuring compliance with policies, || procedures, laws and regulations. || || How adaptable and flexible does this position need to be for || 3Rivers? || Must be prepared to handle ever-changing community and member needs || in a constantly-changing and sometimes stressful environment. || Productive and effective decisions and the ability to leverage || resources appropriately are key to achieving service level standards. || Is seen as a trusted resource that can provide member information, || coaching and customized service for 3Rivers membership and workforce. || Incorporates productive and effective decisions to leverage resources || appropriately and achieve performance standards.