HELOC Loan Originator - Bilingual

1 Bethany
900 W Bethany Dr
Suite 500
Allen, TX 75013, USA

The HELOC Loan Originator
- Bilingual delivers an unexpected member experience by taking inbound and outbound calls from English- and Spanish-speaking members seeking home equity products at Credit Union of Texas. The role originates Home Equity Line of Credit (HELOC) and related real estate loan applications, educates members on competitively priced CUTX home equity solutions, and partners with processing, underwriting, and closing teams to move applications from initial inquiry through funded loan.

Operating in a high-volume sales and service environment, the Loan Originator builds rapport and a network of referrals while meeting or exceeding monthly, quarterly, and annual production goals and maintaining full compliance with the SAFE Act, TRID, and CUTX policy.

• Answer inbound calls and place outbound calls to members and prospects regarding HELOC, home equity, and related real estate products in both English and Spanish.
• Conduct needs-based conversations to identify the best CUTX home equity solution for each member's financial situation.
• Enter HELOC applications accurately into the loan origination system (Encompass, Symitar, and Salesforce) and ensure all required disclosures are issued within the TRID timeline.
• Communicate effective working knowledge of CUTX home equity and mortgage products, rates, terms, and qualification requirements.
• Meet or exceed monthly, quarterly, and annual production and conversion goals.
• Maintain ongoing communication with borrowers regarding application status and the supporting documentation required to advance the home equity request.
• Follow up with members and internal partners to keep applications moving within established cycle-time targets.
• Respond to HELOC-related questions from members and internal departments tactfully and courteously by phone, email, and other electronic channels.
• Provide bilingual (English/Spanish) member service, including translation of product information and disclosures discussions, within approved guidelines.

• Maintain active MLO registration through the Nationwide Mortgage Licensing System and Registry (NMLS) in accordance with the SAFE Act.
• Apply CUTX loan policies, procedures, and Texas home equity lending rules, including requirements specific to homestead and real estate collateral.
• Ensure all required disclosures, including TRID early disclosures, are accurate, complete, and issued within regulatory timelines.
• Document all member interactions and application activity in the system of record sufficient to support audit and examination review.
• Collaborate with processors, underwriters, closers, and branch partners to resolve disconnects and deliver a seamless member experience.
• Participate in pilots of CUTX-approved AI tools that support origination, member communication, and document handling; provide feedback and adopt approved enhancements.
• Complete additional duties as assigned by management.

Outcome

Primary KPI

Target / Direction

Loan Originator meets production targets for funded HELOC volume.

Funded HELOC Units / Volume vs. Goal

Monthly

100% of assigned goal

Applications convert efficiently through the pipeline.

Application-to-Funded Conversion Rate

Monthly

[Target — confirm with VP, Real Estate Lending]

Members receive timely disclosures consistent with TRID.

TRID Early Disclosure Timeliness Rate

Monthly

100% within regulatory timeline

Members experience responsive service in their preferred language.

Average Speed to First Member Contact / Callback

Monthly

Origination files are audit-ready.

Audit-Ready File Rate — percent of files passing…