Mortgage Loan Originator

As a Mortgage Loan Originator, you'll guide members through one of the most important financial decisions of their lives - purchasing or refinancing a home. You'll leverage your lending knowledge, attention to detail, and passion for building strong relationships to provide personalized mortgage solutions.

Requirements

• Interviews and assists members with real estate loan applications and related Credit Union services in person and by phone
• Must be able to fully explain various mortgage programs including estimating closing costs
• Determines the loan purpose and obtains the pertinent information relating to the proposed transaction and property
• Orders and reviews credit reports, verifications, and all documents required for a complete package
• Reviews loan packages for completeness of documents and compliance with Credit Union policy, regulatory requirements, and secondary market lending parameters
• Determines if the applicant qualifies for the loan applied for and recommends loan terms
• Reviews the loan commitment and advises the applicant of the terms together with all requirements of the Credit Union
• Coordinates loan closing, allowing ample time for preparation of final loan documentation for closing
• Remains knowledgeable on policy, procedures, and matters of compliance
• Responsible for compliance with all BSA policies, procedures, and regulations and Office of Foreign Assets Control (OFAC) within the area of responsibility
• Possesses sales experience, and the ability to compose meaningful correspondence and express oneself clearly in a verbal and written manner
• Must be thoroughly familiar with the Credit Union's lending policies and procedures, and knowledgeable of all regulations and reporting requirements related to the position
• Must understand various disclosure information and be able to explain related requirements to members
• Proficient with all computer applications and possess good communication skills
• Must be bondable and able to work unsupervised and under pressure
• Possesses a bias for accuracy and attention to details
• Highly energetic and motivated individual
• Ability to obtain NMLS number

Benefits

• Full Time Employees can choose between several plans from Blue Cross Blue Shield (HMO, Options or PPO)
• Dental
• Vision
• 3 weeks of Paid Time Off
• Paid Holidays Off
• Company Lunches and Parties
• Birthday Holidays
• Life Insurance (Company Paid)
• Short and Long Term Disability (Company Reimbursed)
• 401(k) Savings Plan with Company Match & Profit Sharing
• Flex Spending Account
• Accident Insurance Plans
• Education Reimbursement for Bachelor or Master's Degrees
• Employee Assistance Program
• Paid Community Volunteer Time