Mortgage Loan Originator; Commission Based Job Monroe area,Michigan USA,Finance & Banking

Position: Mortgage Loan Originator (Commission Based)

Job Details

Job Location: Monroe, MI 48162

Position Type: Full Time

Job Category: Banking

SUMMARY

The Mortgage Loan Originator (MLO) is responsible for generating residential mortgage business through proactive outreach, relationship development, and member & referral sourcing. Operating as a commission‑based professional, the MLO represents the credit union’s values while helping members achieve home ownership through tailored mortgage solutions. This role requires strong sales aptitude, excellent communication skills, and a thorough understanding of mortgage lending regulations and products.

CORPORATE

COMPETENCIES

Member Service and Value – Deliver exemplary service internally and externally in accordance with the credit union’s service standards and in a professional manner that protects confidentiality, knowledge, and ability to provide options and solutions to meet member needs within established policies and procedures. Interactions with members provide value and generate good will and a positive image of MCCU as a trustworthy financial institution.

Key Responsibilities

Accountability/Accuracy/Efficiency – Maintain a supervisor‑level attention to detail and ensure accuracy in all transactions and activities performed. Organized and thorough in completing duties, a reliable team member. Ensure established processes and procedures are completed consistently, ensuring the availability of accurate information for informed decision‑making.

Team Player – Possess excellent collaborative skills to work cross‑functionally with various departments and operational areas. Maintain positive work relationships with all credit union team members to achieve corporate and departmental goals and objectives. Treat people with respect; keep commitments; inspire the trust of others.

Decision Making – Consistently apply data‑driven decision‑making techniques pertinent to job duties, inquiries, approvals, and requests, keeping within assigned approval limits and using these instances as tools for development.

Communication – Exhibit strong communication skills with all internal and external stakeholders, collaborating with staff and leadership in information gathering, sharing, project management, and implementation of projects. Respond to inquiries or refer them to the appropriate department and ensure necessary follow‑through with members or staff involved.

ESSENTIAL DUTIES

Originate first mortgage loans by developing and maintaining relationships with members, realtors, contractors/builders, financial advisors, and other referral sources.
Collaborate with credit union branches and staff to identify and pursue mortgage lending opportunities.
Conduct initial consultations, analyze member financial information, and recommend suitable mortgage products.
Accurately and timely complete loan applications, disclosures, and required documentation.
Guide members through the mortgage process with clear communication, transparency, and excellent service.
Partner with processors and underwriters to ensure efficient loan processing and closings.
Monitor workflow to ensure deadlines are met and service expectations exceeded.
Maintain strong knowledge of credit union mortgage products, rates, and underwriting guidelines.
Ensure compliance with all federal and state regulations.
Achieve or exceed individual production goals and contribute to department growth.
Represent the credit union at community and industry events to promote mortgage services.

ENVIRONMENT AND PHYSICAL ACTIVITY

The incumbent is in a non‑confined office type setting in which they are free to move about position includes driving to MCCU branches which exposes them to outside weather elements and moving mechanical parts. It may include minor annoyances such as noise, odors, drafts, etc.

While performing this position, the incumbent spends time writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing, sitting, pulling, walking, standing, squatting, kneeling, and reaching.

The incumbent may operate a telephone, cellular phone, adding machine (calculator), scanning equipment, encoder, money counter, credit card terminal, typewriter, computer…


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