Mortgage Loan Originator

Responsibilities

• Originates mortgage loan applications per FNMA, Freddie Mac, FHA, VA, and USDA guidelines.
• Order credit report, provide initial disclosures, collect income and asset documentation, and verify identity in accordance with the Patriot Act.
• Set up each prospective loan in the origination software prior to processing.
• Work closely with the Real Estate Loan Processor and Closer within the department.
• Maintain investor relationships regarding rate locks, investor specific software, and stay informed of changes to programs.
• Discuss member specific details regarding credit reports, debt ratios, and basic home ownership counseling.
• Maintain relationships with title companies, realtors, appraisers, surveyors, etc. for the purpose of referrals to the Real Estate Department.
• Occasional attendance to outside functions relating to the local real estate industry.
• Perform other related duties as assigned.

Qualifications

• Minimum of three to five years of experience in the mortgage industry at a credit union or other financial institution.
• High school diploma or the equivalent.
• Certified Mortgage Licensing Associate (CMLA) preferred.
• Competent computer skills and use of standard office equipment.
• Able to meet, speak, and deal effectively with people in person and over the telephone, being professional always.
• Must maintain a neat and professional appearance.