External Mortgage Loan Originator

At Lighthouse Credit Union, we believe all individuals, regardless of position level, are considered leaders. By providing a framework that balances clarity with adaptability, our Leadership Competencies aim to foster a culture of continuous growth and agile leadership. Lighthouse Credit Union is committed to embracing change, nurturing leadership talent, and ensuring our performance management practices are aligned with our vision of fostering a resilient and forward-thinking organization.

As such, we all hold ourselves accountable to the following:

A cornerstone of our collaborative work environment, this competency emphasizes effective communication, relationship building and teamwork. It also supports creating a positive work environment that values individual contributions and fosters teamwork. As an individual leader, you will demonstrate active listening, clear communication, and contribute beneficially to team dynamics.

This competency focuses on adaptability, personal development and the advocacy and embracing of progressive change. You will be challenged to explore continuous learning opportunities to achieve excellence and foster a culture of growth and innovation. As an individual leader, you will actively engage in personal development, embrace change enthusiastically and support team members in their growth. You will also demonstrate flexibility and adaptability in response to changing circumstances.

Underlining the importance of innovative problem solving, challenging the status quo and strategic thinking, this competency is vital for driving excellence and leadership. This competency challenges team members to take initiative beyond one's immediate responsibilities. As an individual leader, you will actively look for and share opportunities for improvement, show open-mindedness to new ideas and professionally challenge inefficient processes. You will also actively contribute to defining solutions and promoting innovation.

This competency focuses on taking responsibility for performance goals, proactive collaboration, and accountability. It highlights the significance of each team member taking ownership of their role and contributions while demonstrating leadership qualities regardless of their position. As an individual leader, you will be actively engaged in setting and achieving performance goals, take responsibility for personal action and decisions and seek opportunities for self-improvement and skill development.

Under the direction of the VP, Lending, the External Mortgage Loan Originator plays a crucial role in sourcing and originating first mortgage home loan products. This role involves coordinating with mortgage loan processors, underwriters, and borrowers to ensure a smooth and efficient pipeline, maintaining accurate documentation, and adhering to credit union and regulatory requirements. The goal is to develop a pipeline of business through building relationships and to ensure a smooth and efficient loan experience for the borrowers.

• Sources mortgage leads.
• Builds relationships with real estate agents and other lead sources.
• Analyzes potential loan markets and develop referral networks to locate prospects for loans.
• Markets products to individuals and firms, promoting Lighthouse services that may meet borrowers' needs.
• Meets with applicants to obtain information for loan applications and answer questions about the process.
• Analyzes applicants' financial status, credit, and property evaluations to assess feasibility.
• Explains to borrowers the different types of loans and credit options that are available, as well as the terms of those services.
• Generates complete loan applications with corresponding documentation.
• Improves loan applications and documentation by informing the applicant of additional requirements.
• Assists borrowers by answering questions and responding to requests.
• Manage communications with the real estate agent or referral source.
• Collaborates with processing and underwriting to aid in resolving mortgage application problems.
• Maintains job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations.
• Actively participates in activities in connection…