Mortgage Originator (Buffalo Region)

Overview Of The Role

Promote Mortgage Services’ real estate loan products through direct contact with members, future members, real estate brokers, builders, and others. Originate loan applications from internal and external sources.

Accountabilities And Responsibilities

• Meet the Credit Union's and Mortgage Services’ standards for consistent quality customer service
• Review pre-approval applications and issue pre-approval certificates to qualified candidates
• Actively participate in area community lending activities by attending meetings and seminars and by soliciting applications for loan programs designed for those members
• Monitor activity through the pipeline process and respond to requests for information and applications in a timely manner
• Perform initial submission to Loan Prospector to obtain decisions and be able to advise applicant of correct fees and documents needed to process the loan
• Demonstrate a full understanding and knowledge of current policies regarding credit, appraisal, PMI and secondary market requirements for mortgage and cross sell product line, as well as a general knowledge of consumer loan products
• Aid in the development and implementation of the CU's Home Buyers' Seminar. Prepare information and training materials for realtor seminars
• Promptly respond to members' inquiries, providing accurate information regarding real estate loan programs
• Provide Sales Manager / VP Sales with a regular recap of all contacts made outside of the office in order to solicit mortgage referrals
• Establish rapport with area real estate brokers, soliciting referrals for mortgage applications, providing training seminars for agents, and providing current rates and mortgage program information
• Provide mortgage consultations for members at a suitable location
• Assist in branch and Call Center staff to provide prompt service to membership
• Recommend to applicants the best program to suit their needs, and advise them of their ability to qualify for a mortgage
• Absorb applicants in completing and submitting mortgage loan applications; requesting additional information when necessary
• Discuss problems regarding information received in order to expedite the application processing
• Demonstrate understanding of closing functions and discuss problems with attorney and/or title company
• Initiate opportunities to cross-sell Broadview's products and services
• Participate in the development of new loan originations procedures under the direction of the Sales Manager / VP Sales

Credentials, Experience And Skills

• An Associate’s degree or equivalent plus a minimum of 3 years of lending experience is required
• Experience should include at least 1 year working with mortgage loans
• Ability to use Microsoft Word and Excel strongly preferred
• Must obtain national licensing in compliance with The New York State Banking Law and Regulations and the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act)

Starting Compensation

Commission based with uncapped earnings potential

In-house processing, underwriting and servicing

Competitive pricing

Plus, a competitive benefits package

Bilingual Individuals

Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply

Equal Opportunity Employer

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other status protected by applicable law. Broadview FCU is committed to ensuring individuals with disabilities and/or those who have special needs participate in the workforce and are afforded equal opportunity to apply and compete for jobs.