Mortgage Loan Originator

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Indianapolis, IN, US

Salary Range: $ To $ Annually

This is an exciting opportunity to join our fast-growing mortgage team; but first, here is a little bit about Elements Financial:

Today we serve the employees of 150+ organizations around the U.S. We currently rank among the top 3% of credit unions nationally with 100,000+ members. We have the resources, staff, and expertise to support our members with unparalleled service and leading-edge technology.

Now let's get into this exciting role!

Elements Financial is a best place to work because we want our employees to Be the Expert, Live the Purpose, and Grow the Business. Our Purpose is to Empower Members to Achieve Financial Success
. This position will develop relationships with local realtors and title companies. They will also build a strong relationship with the members and other external sources to create referrals and return business.

You will learn how to be the expert to best serve our members:

• Complete working knowledge of automated underwriting systems (DU & LP).
• Complete the first mortgage origination process and produce accurate and timely disclosures.
• Transact business in accordance with state and federal regulations and credit union policies and culture including, but not limited to, RESPA, HMDA, and Fair Lending Practices.
• Analyze and structure complex loan applications and provide solutions to members.

You will make a difference as you live out our purpose:

• Manage personal pipelines to ensure service standards and financial goals are met.
• Communicate effectively with members during application and during the loan process to deliver exceptional member experience.
• Consistently work in accordance with published departmental sales and service standards.
• Prepare file for submission to Operations in accordance with established requirements.
• Collaborate with all areas of Operations to ensure the loan process is smooth and efficient for our members and employees.

You will help grow the business:

• Direct members into the best loan product(s) for their cash flow needs, income constraints and financial goals.
• Proactively complete outbound sales calls to always ensure a full pipeline.
• Obtain and analyze pertinent financial and credit data.
• Analyze current rates and programs to provide accurate and timely information to the members.
• Negotiate terms and conditions of loans with applicants.

You will continue to grow professionally:

• Continue to develop knowledge of industry practices, products, and professional growth.
• Participate in appropriate learning opportunities to maintain expertise.
• 5+ years of relevant mortgage originating and loan structuring experience.
• Ability to build internal and external relationships.
• Experience collecting and analyzing borrower income and financial data.
• Strong analytical and mathematical abilities.
• Strong collaboration and communication (oral and written) skills.
• Ability to leverage skills, knowledge, and experience to invest in our community.
• Ability to foster an inclusive environment that promotes belonging.
• A focus on respect and excellent service to both external and internal (team) members.
• A proven track record of integrity with a demonstrated ability to build trust.
• Ability to handle competing priorities effectively and within established time frames.
• Professional demeanor and attire.
• Proficient with all MS Office applications (Word, Excel, Outlook, etc.).
• Must be registered or meet registration requirements with the Nationwide Mortgage Licensing System Registry with an active NMLS License .
• Demonstrate proficient use of technology tools and possess…