Mortgage Loan Originator

Overview

We currently have multiple openings for Mortgage Loan Originators. Opportunities span across all of our seven counties including Ulster, Dutchess, Orange, Rockland, Sullivan, Putnam and Westchester. This role involves working with attorneys, realtors, and other business professionals to foster relationships and build a referral base to sell credit union mortgage products and services. Candidates must be eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) in accordance with the SAFE Act and must maintain registration with NMLS as a registered Mortgage Loan Originator (MLO).

• Developing working relationships with attorneys, builders, realtors, CPAs and other real estate professionals to sell credit union mortgage products and foster business growth.
• Meeting with potential clients to determine their needs and what credit union product may best fit those needs. Interview loan applicants and request all pertinent documentation needed for verification; preliminarily determine if loan application meets credit union standards to submit for further consideration; advise applicant of closing costs, answer questions, and submit the application to underwriting for approval as is necessary to secure a closed sale.
• Providing support to department personnel as needed; assisting with troubleshooting of loan problems; performing other related duties as assigned.

• Assuring member service is top priority, treating members and employees professionally with courtesy and respect and upholding the MHV Service Standards.
• Maintaining a strong functional knowledge of investor guidelines as well as credit union policies and procedures enabling goals to be met without direction and with minimal supervision.
• Closes a predetermined amount of loans per year, quantified in dollars.
• Exercising judgment, initiative and discretion regarding mortgage origination policies and procedures.
• Demonstrating effective self-direction and time management by creating and maintaining a schedule that facilitates the successful execution of sales goals with limited supervision.
• Maintaining a presence with local mortgage affiliations and professional organizations to promote the credit union s mortgage sales and facilitate business growth.
• Representing the credit union at community, business, and industry events; participating in community or service programs and developing networking relationships to cultivate sales leads.
• Maintaining a supportive working relationship with team members while working independently, out of the office environment.
• Scheduling corporate visits offering valid suggestions regarding improvements to processes, forms, or functions to facilitate successful sales goal attainment.
• Acting as a good team player; promoting a positive, productive and supportive work environment; making valid suggestions regarding improvements to processes, forms, or function in the work area.
• Staying abreast of current trends affecting the financial services industry; maintaining knowledge of the credit union, its policies and procedures and continually expanding knowledge and skills.

• One year to three years of similar or related experience.
• Fluency in Spanish is preferred.
• A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or job-specific skills acquired through an apprenticeship program.
• Strong time management skills, the ability to manage multiple workloads with successful results, and the ability to work independently. Organizational skills, excellent verbal and written communication skills, and listening skills are important for success in this role. This also includes problem analysis, problem resolution, above average interpersonal skills and strong computer skills (i.e., Microsoft Office).
• Candidates must be able to bend, sit, and stand to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 50 lbs. Must be capable of climbing / descending stairs in an emergency situation. A normal range of vision and hearing abilities required. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
• Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
• Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.
• Candidates must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team and be able to read and carry out various written instructions and follow oral instructions. They must be able to complete basic mathematical…