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Mortgage Loan Officer, AACU Mortgages (Fort Worth, TX, US)

American Airlines • Mortgage Loan Officer, AACU Mortgages (Fort Worth, TX, US) • 1d ago

Intro

Are you ready to explore a world of possibilities, both at work and during your time off? Join our American Airlines family, and you’ll travel the world, grow your expertise and become the best version of you. As you embark on a new journey, you’ll tackle challenges with flexibility and grace, learning new skills and advancing your career while having the time of your life. Feel free to enrich both your personal and work life and hop on board!

Why you'll love this job

This job is within the American Airlines Credit Union. The role is responsible for qualifying American Airlines Credit Union members to determine the proper loan program, complete loan applications and keep members informed of the loan status.

What you'll do

Assist members in completing online mortgage applications, providing members with all required disclosures and obtaining necessary support documents
Negotiate terms and conditions of loans with members in accordance with Credit Union Policy and Procedures
Set up loans; gather and review qualifying documents
Place applicable orders for mortgage-related services and process loans
Perform income analysis of loan documentation, to include complex tax returns such as those for corporations, partnerships, and sub-S corporations for self-employed borrowers
Underwrite loans using automated underwriting programs and credit union decision matrices and referred loans not approved by the automated underwriting program to Credit Union underwriters
Serve as the primary contact for all parties involved on each loan from application to close, utilizing clear and effective communications skills
Provide excellent member service to Credit Union members and employees  Maintain referral relationships with realtors, builders, internal partners and members in association with the Credit Union member base
Maintain effective communication with all Credit Union departments to ensure coordination and exchange of information for accomplishing Credit Union goals
Work collaboratively with team in analyzing and solving situations that may arise in the mortgage application and loan process
Stay informed of trends and developments in the local real estate market
Recommend product and pricing changes to ensure Credit Union is competitive within the industry
Remain up to date on state regulations governing Credit Union lending, with particular emphasis on rules and regulations governing real property lending on first mortgage loans and secondary emphasis on home equity loans
Strive for continuous improvement of processes and quality of service in support of Credit Union goals
Perform other duties as assigned
The selected candidate will be responsible for ensuring the security and confidentiality of all account and related information which is part of their work and for ensuring that his/her work is in compliance with all applicable laws and regulations including, but not limited to, the Bank Secrecy Act.
Work with and process Business Loans (Credit Cards, Secured, Unsecured, and Commercial Property). This task will be assigned to certain Mortgage Loan Officer(s), and they will need to maintain a mortgage portfolio along with their business portfolio

All you'll need for success

Minimum Qualifications- Education & Prior Job Experience

High school diploma or GED
Bachelor’s Degree or equivalent education and/or work experience
Minimum of 3 years of recent mortgage loan origination and processing experience on conventional, FHA, and/or VA products or in the financial services industry
Minimum of 3 years experience in a customer service related industry

Skills, Licenses & Certifications

Skilled in Microsoft Office software (e.g., Word, Excel, Access, PowerPoint) gained through either work experience with the software or education and hands-on use of the software
Ability to utilize lending system software (LOS) and ability to learn new software applications
Knowledge of all loan programs offered by the Credit Union, including forms and documentation for each type of loan, and the ability to apply that knowledge successfully in the job
Knowledge of how other Credit Union departments are interrelated with the Mortgage Department and the ability to apply that knowledge effectively in performance of the job
Ability to perform in a fast-paced environment, handle multiple tasks and function as an integral part of a team
Ability to display strong math proficiency, with a high degree of accuracy
Ability to interact professionally with all employees and members
Ability to work independently and with minimal supervision while using discretion in decision making and sound judgment in problem solving
Ability to self-motivate with strong organization skills and capacity for attention to detail
Ability to effectively prioritize work and meet deadlines
Ability to adjust work schedule and work additional hours as needed to support business needs
Ability to travel
Ability to sit for extended periods of time
Ability to maintain satisfactory performance and attendance
Ability to pass applicable American Airlines and Credit Union pre-hire compliance check

What you'll get

Feel free to take advantage of all that American Airlines has to offer:

Travel Perks: Ready to explore the world? You, your family and your friends can reach 365 destinations on more than 6,800 daily flights across our global network.
Health Benefits: On day one, you’ll have access to your health, dental, prescription and vision benefits to help you stay well. And that’s just the start, we also offer virtual doctor visits, flexible spending accounts and more.
Wellness Programs: We want you to be the best version of yourself – that’s why our wellness programs provide you with all the right tools, resources and support you need.
401(k) Program: Available upon hire and, depending on the workgroup, employer contributions to your 401(k) program are available after one year.
Additional Benefits: Other great benefits include our Employee Assistance Program, pet insurance and discounts on hotels, cars, cruises and more

Feel free to be yourself at American

From the team members we hire to the customers we serve, inclusion and diversity are the foundation of the dynamic workforce at American Airlines. Our 20+ Employee Business Resource Groups are focused on connecting our team members to our customers, suppliers, communities and shareholders, helping team members reach their full potential and creating an inclusive work environment to meet and exceed the needs of our diverse world.

Are you ready to feel a tremendous sense of pride and satisfaction as you do your part to keep the largest airline in the world running smoothly as we care for people on life’s journey? Feel free to be yourself at American.