Mortgage Loan Originator

About the Role

This role is based in Santa Rosa Beach, FL and is a salary + commission based position. We are looking for someone who can build strong relationships within the community. As a Mortgage Loan Originator, you will be responsible for promoting All In Credit Union Mortgage products and services. By delivering compelling presentations to potential members and counseling and coordinating loan registration material, your role is essential to generating quality mortgage leads.

This individual is responsible for originating quality mortgage loans that meet All In Credit Union guidelines by building relationships with realtors, builders, financial professionals, credit union branches, past customers, and other nontraditional sources while providing excellent member service. Strong sales and organizational skills are essential. The position is salary with commission opportunities. Position not eligible for remote work.

Essential Functions and Responsibilities

• Provides a superior member experience by actively listening and assessing the needs of the member(s) and offering targeted solutions to these needs.
• Delivers presentations to promote All In Credit Union's Mortgage products to realtors, builders, and financial professionals to generate quality mortgage leads.
• Consistently maintains a professional, respectful, and courteous approach when interacting with member/owners and internal contacts to maintain quality service.
• Counsels members regarding services to maintain quality member/owner service, knowledge, and satisfaction, and achieve established sales goals and objectives.
• Coordinates loan registration and documentation to ensure proper and timely processing; works with mortgage software system as necessary.
• Stays abreast of competitor programs; researches and evaluates opportunities; submits recommendations for consideration.
• Monitors and updates loan information requested by mortgage processors to keep files accurate and current.
• Demonstrates effective face to face communications, telephone interaction, and written communications. Responds in a clear, concise manner, using appropriate mode of communication.
• Corresponds and works with other departments as necessary in order to efficiently process member(s) loan information.
• Provides timely feedback to appropriate parties to facilitate accurate decision making.
• Represents All In Credit Union in community activities in a positive, professional image in order to promote the development of mortgage department to the public.
• Performs up to the standards of the All In Credit Union Core Competencies.
• Develops knowledge of Credit Union products, policies and procedures, and underwriting requirements.
• Understands real estate appraisals, title reports, and real estate transactions.
• Analyzes detailed financial and credit data, matching member(s) needs with an appropriate loan program and level of risk.
• Develops and maintains a high degree of visibility for All In Credit Union in the marketplace.
• Provides information and monthly reports to Executive Management and department staff within required timeframes.
• Is familiar with and follows all policies, procedures and processes which have been established in order to meet compliance requirements of all applicable federal regulations. The regulations include but are not limited to the Privacy Act, Office of Foreign Assets Control (OFAC), Bank Secrecy Act (BSA), Reg. CC, Reg Z and Patriot Act.
• Extensive travel and working on some Saturdays.
• Performs other duties as needed and required.

Qualifications

• Two (2) years mortgage origination experience preferred.
• High school diploma or GED required. Mortgage lending and secretarial courses helpful or appropriate experience may be substituted.

Why Join Us?

We are committed to fostering a workplace culture that exemplifies our values: Sparkle—embracing Smiling, Passionate, Accountable, Resilient, Kind, a Listener, and Empathetic. This is an exciting opportunity to make a significant impact within our Credit Union, shaping the future of consumer lending and mortgage services while enhancing the financial well-being of our members.