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About the Role

The Mortgage Loan Officer (MLO) is responsible for proactively generating new mortgage business and promoting Empower FCU's mortgage products to meet production and loan quality goals. The MLO will play a critical role in advancing Empower FCU's strategic objectives by providing exceptional service to both current and prospective borrowers.

Responsibilities

• Engage with applicants to understand their financial goals and offer tailored mortgage solutions.
• Advise on the home-buying process, recommend suitable mortgage options, and address questions regarding loan terms, closing, and post-closing.
• Review and evaluate mortgage documents to ensure they meet Empower FCU and regulatory standards.
• Complete mortgage applications, issue required disclosures and submit files for initial underwriting.
• Issue pre-qualification/pre-approval letters and perform rate lock procedures.
• Collect and analyze necessary documentation and perform financial calculations.
• Order required services such as flood zone certifications and appraisals.
• Submit loans to underwriting and ensure timely loan approvals.
• Maintain a steady pipeline of loan applications, ensuring compliance with HMDA, TRID, and fair lending regulations.
• Communicate regularly with applicants to guide them through the loan process.
• Ensure timely credit decisions within 30 days of application submission.
• Cultivate relationships with realtors, builders, and third-party partners to drive mortgage originations.
• Represent Empower FCU at community events and networking opportunities to enhance visibility and generate new business.
• Use sales database tools to identify loan opportunities and target potential applicants.
• Stay current on industry regulations to ensure compliance with legal standards.
• Leverage proprietary lending software and tools to analyze credit, underwriting, and financial information to offer the best loan options.
• Perform other duties as assigned.

Requirements

• Must be able to qualify and maintain licensing through the Nationwide Mortgage Licensing System (NMLS).
• Must possess a valid driver's license and maintain a clean driving record.
• Candidates with equivalent formal certifications or professional experience in mortgages, financial services, or related fields are also encouraged to apply.
• Work involves extensive personal contact with others and is of a personal or sensitive nature.
• Motivating, influencing, and/or training others is key at this level.
• Outside contacts become important and fostering sound relationships with other entities becomes necessary.
• Ability to influence and/or sell ideas or services to others.
• Proven ability to negotiate and close mortgage deals.
• Detail-oriented with the ability to manage multiple tasks efficiently.
• All candidates will be subject to a background check to determine employment eligibility.
• For roles that require an NMLS you may be subject to a credit check.

Skills

• Proficiency in Microsoft 365, Encompass, Nautilus, and SalesForce.
• Strong understanding of underwriting requirements and experience with various mortgage products.
• Ability to interpret credit reports, appraisals, and other financial documents.

Location

• Western NY region
• Buffalo metropolitan area

Work Type

• Fully remote
• Occasional local travel may be required

Experience Level

• 3 to 5 years of experience as a mortgage loan officer
• Ability to self-source business development by maintaining relationships with real estate agents, builders, attorneys and other centers of influence

Education Level

• Associate's degree in business, Finance, or a related field.

Salary/Compensations

• $58,691.36-$88,037.04

Benefits

• Medical and Dental Insurance
• 401K with Employer Match
• Holiday Pay
• Paid Time Off

About the Company

• Empower FCU Purpose: At every stage of life, positively impact members by providing affordable financial services.
• Empower FCU Core Values: Fairness, Integrity & Honesty
• Empower FCU Strategic Pillars: World-Class Employee Experience, Best-In-Class Member Experience, Growth for Impact, Shared Value in the Community
• A World-Class Employee Experience: We are at our best when we are developing genuine relationships, looking out for one another, freely and honestly sharing information, and working together.
• Be Yourself, Belong with Empower: The strength of Empower is in the unique backgrounds, voices, talents, & experiences of each person. With a culture of belonging, we enable teamwork, spark innovation, and fuel success.

Equal Opportunity

• Empower Federal Credit Union is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic including race, religion, ethnicity, color, national or ethnic origin, age, sex, sexual orientation, gender identity or expressions, transgender status, sexual or other reproductive health decisions, marital status, ancestry, citizenship status, physical or mental disability, genetic information/ predisposition or carrier status, status in the uniformed services of the United States (including veteran status) or any other basis protected by applicable national, federal, state, provincial or local law.
• Our Equal Employment Opportunity Policy Statement reaffirms our commitment.
• Federal Labor Law Posters
• New York Labor Law Poster
• Employment Eligibility Notices
• E-Verify
• Right to Work
• Empower Federal Credit Union is committed to equal opportunity to qualified persons without regard to basis of race, religion, ethnicity, color, national or ethnic origin, age, sex, sexual orientation, gender identity or expressions, transgender status, sexual or other reproductive health decisions, marital status, ancestry, citizenship status, physical or mental disability, genetic information/ predisposition or carrier status, status in the uniformed services of the United States (including veteran status) or any other basis protected by applicable national, federal, state, provincial or local law.
• Empower Federal Credit Union will make reasonable accommodations for known physical or mental limitations of otherwise qualified employees and applicants with disabilities unless the accommodation would impose an undue hardship on the operation of our business.
• If you are interested in applying for an employment opportunity and feel you need a reasonable accommodation pursuant to the ADA, please contact us through one of the methods listed below: a) Fax: 315.455.5423 b) US Mail: 1 Member Way Syracuse, NY 13212 c) Phone: 800.462.5000