Mortgage Loan Originator

DuPont Community Credit Union (DCCU), founded in 1959, is a financial leader in the Shenandoah Valley serving over 125,000 members with over $2.0 billion in assets. The Mortgage team offers in-house underwriting, processing, and funding, plus a full array of portfolio products including 100% financing, conventional, FHA, VA, and USDA loans.

Responsibilities

• Conduct real estate interviews in a timely manner while providing courteous, friendly service to DCCU membership and staff
• Originate mortgage loans in accordance with DCCU policies, procedures, and applicable lending guidelines
• Provide financial guidance by identifying members’ needs and recommending appropriate mortgage products and solutions
• Complete loan applications, collect applicable member documentation, and submit loans for credit approval
• Prepare and deliver mortgage disclosures within applicable compliance guidelines, obtaining necessary signatures and consent
• Submit applications in accordance with portfolio and secondary market requirements and obtain necessary supporting documentation
• Maintain a working knowledge of DCCU portfolio, secondary market, and government loan products
• Review and calculate qualifying income using documentation such as paystubs, W-2s, and federal tax returns
• Help organize and facilitate homeownership workshops, seminars, and other educational events
• Attend local real estate and Realtor-related events to develop and strengthen community and industry relationships
• Attend mortgage loan closings as needed

Requirements

• High school diploma or equivalent and a minimum of one year of experience in residential mortgage lending
• Excellent verbal and written communication skills
• If qualified to originate mortgage loans, must be eligible to register with the Nationwide Mortgage Licensing System (NMLS)
• Strong organizational, time management, and problem-solving skills
• A passion for mortgage lending and helping others achieve their financial goals
• A professional, courteous, and member-focused approach
• Basic mathematical skills (addition, subtraction, multiplication, division, percentages, and fractions)
• Strong computer and administrative skills
• Experience with Microsoft Word and Excel
• Knowledge of Encompass and Desktop Underwriter is preferred but not required

Benefits

• Meaningful work that is highly impactful to the membership and community
• Opportunities for development and career growth
• Excellent working conditions, work hours, and work-life balance
• Community involvement opportunities
• Medical and dental insurance
• Life and disability insurance
• Pension plan
• 401(k) with employer match
• Generous paid time off

Pay

Hourly rate of $18.00 with a competitive production-based incentive plan averaging $50,000–$80,000 per year. Starting salary placement in the range will be determined based on the candidate’s experience, qualifications, and skills.