Mortgage Loan Originator (External) - uncapped commission structure

What You'll Do

• Performance - Constantly works towards exceeding established monthly individual and departmental goals for loan applications and funded loans. Effectively converting mortgage leads to full applications.
• Availability/Service - Maintain accessibility to borrowers, and referral sources during and after normal business hours to ensure continuous communication with borrowers, and referral sources throughout the loan process to provide an exceptional borrowing experience from start to finish.
• Communication - Develops relationships with real estate agents and other referral sources in all the communities the credit union serves to drive real estate loan business to the credit union. Includes close coordination with branch team and real estate loan originators throughout the loan process.
• Organization - Effectively manage pipeline of work in a way that prioritizes constant communication with members. Ensures regular follow-up occurs with all leads and referrals in a timely manner throughout the process. Thoroughly document all member communication and action taken on files.
• Outreach - Represents the Credit Union at real estate industry events, business gatherings, and social events with the objective of developing partnerships and referral sources in the community. Also provides expertise and educational opportunities for community partners through presentations that focus on the Credit Unions real estate lending services or other relevant industry topics.
• Advise - Provide expertise and guidance to members and potential members on mortgage products and opportunities. Provides product expertise and support as needed to branch team partners.
• Reporting - Effectively, routinely and accurately reports call activities, leads and applications taken using established internal reporting and tracking systems. Maintains all relevant and work-related contacts, appointments and activities on a shared electronic calendar.

What We Need

• Applicants for this position must successfully complete and pass the eligibility requirements for registration under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act).
• Bachelors Degree in Business, related field or equivalent work experience.
• Extensive and detailed knowledge of real estate mortgage lending laws, regulations, policies and procedures applicable to both primary and secondary markets.
• Ability to analyze applicants credit risk (the 4 Cs of underwriting, capacity, capital, collateral and credit) and perform income analysis for self-employed borrowers.
• Strong working knowledge of all loan origination, and maintenance software. Ability to understand and use secondary market automated underwriting systems in conjunction with credit union software.
• Friendly, outgoing manner, ability to deal with members with tact and courtesy and maintain professional demeanor in all situations.
• Self-motivation, enthusiasm, and initiative with a willingness to support others within the Credit Union.

Benefits

• Great Salary
• Pension
• Health, Dental, Vision and Other Insurance Coverage
• Paid Personal Time Off
• Paid Holidays
• Life Insurance
• Short and Long-Term Disability
• 401(k) with matching funds
• Tuition Reimbursement
• HSA, FSA, and Dependent Care Spending Accounts