Outside Mortgage Loan Originator - Kingman

Job Summary

The position is responsible for originating mortgage loans and advising borrowers throughout the residential lending experience. Responsibilities include building relationships within the community, participating in events, and promoting other Arizona Financial Credit Union loan and deposit products.

Essential Job Functions

• Originates mortgage and consumer equity loan products.
• Understands benefits of all loan products offered and effectively makes recommendations to assist borrowers in meeting individual financial needs.
• Delivers a highly referrable experience to members/borrowers.
• Maintains timely and professional communication (both written and verbal) with internal team members and external business partners.
• Edits and promotes other Arizona Financial Credit Union loan and deposit products to borrowers.
• Edits and promotes Arizona Financial Credit Union services (e.g., MAC, AFIS, AFFS, etc.).
• Supports other team members with increasing knowledge, experience, and sales.
• Prepares and presents loan presentations and participates in loan committee discussions.
• Participates in supporting other team members with increasing knowledge, experience, and sales.
• Participates in ongoing training and education for loan products and underwriting guidelines.
• Delivers and installs AFCU construction signs and name riders.
• Mentors Retail staff to increase knowledge of products and generates referral opportunities.
• Conducts site inspections of properties in Arizona Financial Credit Union’s field of membership.
• Performs other job-related duties as assigned.

Required Qualifications

• Minimum Education and Experience: High School diploma or GED and one (1) year experience in Residential Lending as a Mortgage Loan Originator or in a sales related position withing the Retail or Consumer Lending field.
• Knowledge, Skills, and Abilities: Working knowledge of Fannie Mae, Freddie Mac, FHA, and VA loan guidelines along with investor guidelines and policies. Proficient in Microsoft Excel and Word. Work requires strong organizational skills, professional written and verbal communication, self-direction and teamwork. Ability to provide client service, support credit union objectives, and produce quality work within tight timeframes. Ability to resolve operational issues.
• Licenses, Training, and Certifications Required: Maintain compliance with the federal Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act of 2008. Arizona Financial Credit Union employees acting as Mortgage Loan Originators (MLO) must be registered with the Nationwide Mortgage Licensing System and Registry (NMLS or Registry) and obtain a unique identifier (NMLS Number).

Physical Requirements

• Occasionally lifting or carrying up to 50 pounds.
• Ability to install construction signs and name riders.
• Must be able to travel within Arizona Financial Credit Union’s field of membership.
• Sitting and standing for extended periods of time.
• Working on a computer for extended periods of time.
• Ability to connect and perform job functions while working in an office (or remotely), including sufficient access to internet and phone.
• Must be available and flexible to work mornings, evenings and weekends, as required.