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Scope/Purpose of the Position

The Mortgage Loan Officer will be responsible for assisting members with their mortgage lending needs; analyze loan requests and make credit decisions and recommendations based on lending policy. The Mortgage Loan Officer will also assist as needed with Consumer loans.

Key Responsibilities and Essential Functions

  • Interviews member loan applicants to develop information concerning their loan needs, earnings, and financial condition.
  • Analyzes the current financial position of members to determine the degree of risk involved in extending credit or lending money. Makes decision to approve or forward the loan request with a recommendation for approval or disapproval to higher levels for decision.
  • Prepares and/or reviews all loan documents for completeness and accuracy.
  • Explains loan programs to members, evaluates their needs, and recommends loan options.
  • Establishes the terms and conditions of an approved loan and reviews them with the member.
  • Participates in sales development activities.
  • Keeps informed of current trends and regulatory changes in mortgage and consumer credit.
  • Observe and maintain compliance with the Bank Secrecy Act (BSA) and other regulations as applicable to this position.


  • Ability to perform in a fast-paced environment.
  • Manage multiple tasks efficiently.
  • Confidentiality is a must.
  • Team player.
  • Proficiency in Microsoft Word and Excel is a plus.
  • Mortgage and Consumer lending experience preferred.
  • Must have a working knowledge of current lending regulations.


  • 401(k)
  • Dental insurance
  • Flexible spending account
  • Health insurance
  • Paid time off
  • Vision insurance

Physical Setting:

This position will be located in our Ticonderoga branch. However, this position will work temporarily out of our Port Henry branch after the completion of a training period until the new Ticonderoga Administration building is complete in 2022. The ability to travel between branches is required in some situations.


  • Monday thru Friday
  • Rotating Saturdays


  • High school or GED (required)


  • Six months to two years of similar related experience, including time spent in preparatory positions.

Interested candidates should submit a resume with a cover letter and/or completed application by July 15, 2021, to:



Mail: Attn: Karen Bennett, Director of Lending
TrailNorth Federal Credit Union
1178 NYS Route 9N
Ticonderoga, NY 12883


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