Oxford Federal Credit Union is seeking a highly motivated, outgoing and personable professional with exceptional sales and real estate lending skills to join our Mexico team for the position of *Real Estate Lender. *This is an exciting opportunity to work for a financially strong, community oriented, member owned financial cooperative providing financial services to members in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset and York county, Maine. The successful candidate will actively promote and sell credit union products and services to new and existing members, ensuring retention and growth in residential real estate lending.

Duties and Responsibilities:

Meet with members to assess their financial needs in regards to residential real estate loans, primarily. Originate first mortgages, working closely with CUSO Home Lending, writing loans to secondary market standards. Originate, process and decision other loan applications, (including home equities and land loans) according to federal, state and local regulations and credit union policy guidelines. Identify and refer other mortgage requests to CUSO Home Lending (MESHA, FHA, etc.). Establish terms and conditions of a loan and review the information with the member. Assemble and organize documents in mortgage files to help ensure a timely turnaround and positive mortgage experience for the member.

Identify cross-sell opportunities and promote and sell all credit union products and services to help achieve or exceed credit union goals in the areas of sales, retention, revenue growth, member contact and member satisfaction.

Establish, promote, and maintain strong professional relationships with real estate agencies, appraisers, vendors, realtor associations, title companies, strengthening the communities in which we live and work.

Have a working knowledge of secondary market guidelines and keep informed of current trends in mortgage lending and market factors affecting real estate lending, ensuring quality service and adherence to regulatory requirements including but not limited to Fair Credit Reporting, Home Mortgage Disclosure Act, Real Estate Settlement Procedures Act, Flood Insurance and OFAC.

Perform all other duties as assigned.

External and internal applicants, as well as position incumbents who become disabled, must be able to perform the essential functions of the job either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.