Remote Va Medical Coder Jobs in Alabama (NOW HIRING)

Description

Navigator Credit Union is currently recruiting for a full-time established Mortgage Loan Officer in the Daphne - Pensacola region. If you have a passion for exceptional service, relationship building, and want to be a part of a team that focuses on creating substantial value in the communities we serve, while exceeding goals, we want to hear from you! We encourage all interested, qualified candidates that enjoy working in a fast paced environment to apply. We provide paid vacation after 90 days, paid holidays, 401k with a company match, medical, referral bonus, and several other benefits after 30 days employment for our team members including incentive opportunities. Navigator Credit Union is an Equal Opportunity Employer. Navigator does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. 

ROLE: Originates first and second mortgages, loan assumptions and endorsements. Solicits new mortgage business, maintains good outside working relationships, and promotes the organization's products and services.

REMOTE WORK ELIGIBILITY AND REQUIREMENTS:

Mortgage Loan Officer is eligible for remote work. This is considered a privilege for high performers to work remote and may not be offered to all Mortgage Loan Officers. Officers chosen for remote will need to read "Policy 6140: Remote Access" and sign the "Employee Device Policy Acknowledgement Form". Employees working remote are expected to work in an environment that is free from distractions. Employees are also expected to follow all company policies at home, just as if you were in the office, taking special care to lock their computer during times it's not being used. The employee will work with their manager to establish a schedule for in and out of office work. Employees are expected to be able to be available to come into the office at any time during a normal shift. In addition, webcams are expected to be uncovered at all time during the working day. Webcams are expected to be used any time an employee is in a meeting. The employee will also need to have internet speed of at least 100Mbps of download speed and 10Mbpd of upload speed of dedicated internet bandwidth. 

RESPONSIBILITIES:

Responsible for meeting or exceeding monthly production goals.

Must comply with applicable laws and regulations, including but not limited to, RESPA, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Conducts the loan interview and secures borrower information necessary to initiate a loan transaction. Then provides loan information and services to members, realtors and others as needed.

Pulls credit reports, reviews and analyzes income, including tax returns, appraisals, title commitments and any other pertinent information to make a decision as to the approvability of the loan request. Notifies the member of denial or updated status throughout the loan process.

Responds to inquiries from prospective borrowers regarding all types of mortgages and construction loans, provides requested information regarding the credit union's lending policies and procedures.

Requests orders necessary to adequately submit loan file to underwriting, including appraisals, title commitments, verifications of income, employments and mortgage history, etc.

Maintains close relations with others in the mortgage industry, home construction industry, and real estate industry to be knowledgeable about property values and to build a network of professionals.

Maintains working knowledge of FNMA Secondary Market guidelines to perform loan origination for loans sold to Superior Financial Solutions.

Demand of myself, and others, the highest levels of integrity, leadership, accountability and teamwork. 

Any other duties as assigned by manager.

EDUCATION REQUIREMENTS:

High School Diploma or equivalent is required.

Maintain registration active, and current, with the National Mortgage Licensing System throughout employment.

Fair Lending training documentation/certificate preferred.

1+ years' experience in mortgage lending

SPECIFIC SKILLS: 

Experience with Federal Housing Authority (FHA), Veterans Affairs (VA), and Federal National Mortgage (Fannie Mae), construction loans, and reverse mortgage loans.

Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.

Established mortgage relationships in the region

The ability to motivate or influence senior level personnel, internally or externally, is a key component of the job, requiring a significant level of expertise, credibility, influence and trust. Proficiency in developing and delivering material presentations on complex topics can be important to fulfilling the responsibilities of the position. The inability to communicate at this level would disqualify the individual from being able to fulfill their job responsibilities.

Is responsible for a width of information including but not limited to: the organizations current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending (Execulines, second mortgage products, swing loans, land loans, etc.), Bankpro loan origination software system.

ADA Requirements

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing / descending stairs in emergency. Must be able to operate routine office equipment including CRTs, typewriters, telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete complex mathematical calculations and spell accurately. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.