Mortgage Loan Officer- Tampa Area

Mortgage Loan Officer- Tampa AreaWe have launched several unique mortgage programs that separate us from the competition and attract members to VyStar. Our MLO positions are self-sourced, and we provide web leads!
Here are the Top Reasons to consider being a Mortgage Loan Officer at VyStar

• Extremely Competitive Compensation & Benefits
• Home Equities and Fixed Seconds
• Land Loans up to $500K and Construction to Perm up to $3.0MM - 360-day lock & Float Down Option (Land Loans also available)
• Everyday Heroes - Up to 98% Financing for affinity groups
• Military Heroes up to 100% Financing
• Local Fulfillment (no outsourcing) & FHA and VA Delegated Underwriting in-house
• Proprietary Products that impact lives and bring in business:

Learn more about why we’re rated one of the Best Places to Work and Bank by visiting https://www.linkedin.com/company/vystar-credit-union/ :

• Parental and family care leave
• And many more
• Paid time off and 11 ½ paid holidays each year
• Competitive pay with monthly incentives based on production
• 401(k) retirement savings with company match
• Tuition reimbursement/student loan payoff stipends
• Comprehensive medical, dental and vision plans

The incumbent is responsible for originating residential first mortgage and equity loans and participates in related business development activities. The incumbent ensures that members receive quality mortgage loan origination servicing in accordance with VyStar mortgage lending policies, practices and procedures. The incumbent counsels members and obtains the information needed to evaluate credit applications.
This position will love and work in the Tampa market.

• Originates residential mortgage loans and solicits residential first mortgages and equity loans through contacts with realtors, builders, developers and personal referrals. Provide quality service to members and potential members seeking residential mortgage loans.
• Interview applicants to develop information concerning their financial needs, desires and earnings to assist in determining whether the loan will be an acceptable credit risk. Obtain and analyze pertinent financial and credit data. Enters data into the point of sale origination software to complete the loan application. Discusses application with member, counsels and answers member questions concerning mortgage loan programs. Requests any additional information required to complete the loan application package prior to submission for processing.

• Generally provides the required three day disclosures along with other pertinent mortgage disclosures to the member electronically however, may be required to provide them in paper form should the member decline to accept them electronically. Maintain communication with processor regarding progress of each mortgage loan file and communicate status and information to member.

• Identify and make recommendations to department Mortgage Origination Management regarding process improvements, quality service and increased efficiencies within the department.
• Consistently demonstrates VyStar Excellence with providing service to the membership, credit union employees, and third party vendors.
• Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals.
• Reviews monthly production reports with the Mortgage Loan Officer Manager to ensure goals are being met.
• Assists the assigned mortgage loan processor and closer to obtain documentation to ensure a smooth mortgage loan process. Proactively communicates status of loan throughout the loan process.
• Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors and to provide support and feedback to employees assigned to the processing unit to consistently practice and demonstrate.
• Makes a concerted effort to attend the mortgage loan closing with the member.
• Acts as main point of contact for information and guidance for member. Documents communication with the member and/or other interested parties in the loan transaction in the mortgage origination software application.
• Consistently adheres to VyStar core values and Code of Ethics and acts in accordance with corporate defined values and ethics.
• Cross sells other credit union services.
• Performs other duties as assigned.

• Advance Ensure that member’s expectations were exceeded.
• Counsel Recommend solutions based on your member’s needs and objectives.
• Connect Consistently be friendly and approachable. Demonstrate your care.
• Focus Focus your full attention by carefully listening to and observing client or member.
• Understand Listen empathetically and ask questions (70%/30% rule).