VP Mortgage Loan Originator

Recruitment Status

This position is open for continuous recruitment. Applications will be accepted and reviewed on an ongoing basis.

Role

Assist members with their mortgage lending needs by analyzing loan requests, determining the appropriate mortgage/loan program, and making credit recommendations based on mortgage lending policy.

Essential Functions & Responsibilities

• Originate and submit loan for processing and decision within set timeline; communicate disposition to member (60%).
• Sell the Credit Union's mortgage lending program to companies and individuals within the real estate community (20%).
• Evaluate acceptability of mortgage loan to ensure it meets secondary mortgage requirements (5%).
• Cross‑sell other credit union services (5%).
• Stay informed of current trends in mortgage lending and market factors affecting mortgage lending (5%).
• Perform other related duties as assigned (5%).

Performance Measurements

• Compliance with government and other regulations affecting the credit union industry, including OFAC and the Bank Secrecy Act.
• Meet or exceed performance expectations as described in the Essential Functions and Responsibilities.
• Refer to the Annual Performance Goal document for additional performance metrics.

Knowledge and Skills

• Three to five years of similar or related experience.
• Knowledge of the secondary market and experience with first and second mortgage residential real estate lending.
• Strong communication skills, diplomacy, and tact in confidential discussions.
• Proficiency with Microsoft Word and Excel; ability to use keyboard, computer, calculator, fax, copier, and telephone.
• Ability to read and understand financial statements, contracts, applications, computer printouts, manuals, and related materials.

Education

• Two‑year college degree, or
• Completion of a specialized certification or licensing, or
• Completion of specialized training courses conducted by vendors, or
• Job‑specific skills acquired through an apprenticeship program.

Interpersonal Skills

Work involves frequent personal contact with internal and external parties for first‑level conflict resolution, relationship building, and soliciting cooperation. Requires confidentiality, discretion, diplomacy, and tact.

Physical Requirements

The employee is regularly required to sit, use hands to operate controls, and talk or hear. Occasionally required to stand, walk, reach with hands and arms, and stoop or kneel. Must occasionally lift and/or move up to 20 pounds. Vision requirements include close vision and the ability to adjust focus.

Work Environment

Work is performed indoors in an office setting with normal safety and health hazards. May periodically travel to similar sites. Noise level is usually moderate.