Mortgage Loan Originator

Description

The Mortgage Loan Originator is responsible for originating residential mortgage loans while also supporting the strategic leadership of the mortgage department in collaboration with Management team members.

• 20% - Takes and reviews applications for mortgage loans. Explains available loan programs and advises members on appropriate options and requirements.
• 20% - Analyzes members’ financial conditions, including credit history, credit score, collateral, and other relevant information, to assess risk and repayment ability. Makes decisions within approval authority or forwards requests to the appropriate level for review.
• 15% - Completes or oversees the completion of all loan documentation. Ensures accuracy and compliance with Credit Union policies and regulatory standards. Prepares required reports and records and meets with members to explain terms and close loans.
• 15% - Stays current on mortgage products, industry trends, market conditions, and financial services to effectively meet members’ evolving needs.
• 10% - Builds and maintains strong relationships with real estate agents, vendors, and key community partners to support business growth and member engagement.
• 10% - Manages loan portfolios, including delinquency control, compliance, and regulatory reporting. Contacts delinquent members as needed.
• 5% - Develops relationships with secondary market buyers and facilitates the sale of loans in accordance with policy.
• 5% - Collaborates with information systems and internal teams to coordinate loan processing needs.

• High school diploma or equivalent required;
  Associate’s or Bachelor’s degree in finance, business, or a related field preferred.
• Minimum of 2–5 years of experience in mortgage lending, loan origination, or financial services.
• Experience with in a credit union or banking environment strongly preferred.
• NMLS registration (or ability to obtain) required.
• Familiarity with residential mortgage products, underwriting guidelines, and the loan origination process.

• Strong knowledge of mortgage loan products, lending practices, and origination processes.
• Understanding of applicable regulations (e.g., NCUA, CFPB, RESPA, TILA, HMDA, and other mortgage-related compliance requirements).
• Ability to analyze financial information and assess borrower eligibility and repayment capacity.
• Excellent interpersonal, communication, and customer service skills.
• Ability to manage multiple loan files and priorities in a fast-paced environment.
• Ability to maintain confidentiality and handle sensitive information with professionalism.

• Hours: 9:00 a.m. – 5:00 p.m.
• Days: Monday through Friday
• Location: Onsite

Compensation is competitive and based on experience and includes a comprehensive benefits package starting on day one.

Our full benefits package includes:

• Health insurance
• Dental insurance
• Vision insurance
• Short-term disability
• Long-term disability
• Life insurance