Mortgage Loan Originator

Essential Function And Responsibilities

• Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet approval based on loan application and requests additional information.
• Takes thorough loan applications and ensures a high-quality of work, absent of errors, omissions, and audit exceptions.
• Prospects daily, develops strategic business partners to create a strong referral network, builds relationships with current and new members, and provides them with products and services to meet their changing needs.
• Coordinates all aspects of the mortgage application process, including preparing initial Loan Estimate, and communicates effectively with peers, colleagues, and management.
• Maintains monthly production goals set forth by the company, engages in marketing and promotional activities in support of sales goals, cross-sells other Credit Union services, markets the Credit Union's mortgage lending program to companies and individuals within the real estate community, stays informed of current market trends, loan programs, credit union policies and procedures, and all regulatory requirements as it relates to real estate lending.
• Ensures compliance with all mortgage laws and regulations, provides SPARK! Service Standards to all members and team members to ensure the highest level of member satisfaction, complies with all federal and state laws and regulations including the Bank Secrecy Act, Patriot Act, Office of Foreign Asset Controls, FCRA, FDC and Graham Leach-Bliley.
• Performs other job-related duties as assigned.

Requirements

• 5 or more years of Mortgage Loan Origination experience with a proven track record of achieving production results.
• Strong analytical skills with the ability to make sound decisions.
• Able to manage time and workload independently through organization and efficiency.
• Able to adhere to internal policies as well as external policies and regulations set forth by the NCUA.
• Able to learn new tasks, processes, and change quickly and efficiently.
• Able to be self-motivated with the ability to effectively prioritize work.
• Must be able to operate all basic office equipment.
• Must comply with all federal and state laws and regulations including the Bank Secrecy Act, Patriot Act, Office of Foreign Asset Controls, FCRA, FDC and Graham Leach-Bliley.
• Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

Qualifications, Skills and Abilities

• Associates degree or higher preferred but not required.
• Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Experience in Microsoft Excel calculations.
• Reasoning Abilities: Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• Certifications, Licenses: Must be bondable. Internal annual compliance testing required.

Physical Demands

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• The noise level in the work environment is usually moderate.
• May be required to travel for instructional/educational seminars.
• Traveling may be required for prospects.