Mortgage Loan Originator - Commissioned

Description

Tyndall Federal Credit Union is an established Credit Union based in Panama City, Florida with branches across the Florida Panhandle and South Alabama. We offer our employees a family‑oriented work environment with numerous exciting benefits and career growth. We are looking for the next member of our #Team Tyndall family!

Tyndall Federal Credit Union is committed to making a meaningful difference in the lives of our members. We take pride in the great care we offer our members and employees alike!

• Family First Leave – providing 12 weeks of 100% paid bonding time to all full‑time eligible employees.
• Excellent 401(k) plan with generous employer matching.
• All employees receive 16 paid community volunteer hours.
• Full‑time positions offer 11 paid holidays, paid time off, health/vision/dental benefits and more.

• Higher base salary complemented by commissioned‑based earnings, providing a competitive overall compensation package.

Tyndall Federal Credit Union is based in Panama City, Florida. This position will be located in Walton County and Panama City Beach, Florida. This is a hybrid opportunity; candidates must reside in either Bay or Walton County.

Tyndall Federal Credit Union offers an exceptional employee experience that includes comprehensive benefits, a culture of appreciation, flexibility, a family‑oriented atmosphere, and rewarding work.

• Creates mortgage loan opportunities and generates mortgage loans for current and prospective members while fulfilling their mortgage lending needs and building relationships with all parties involved in the process.

• Reviews and evaluates information on mortgage loan documents to determine if borrower, property, and loan conditions meet credit union and government standards. Matches appropriate loan product with borrower's needs. Establishes required terms and conditions of an approved loan and reviews with borrower.
• Generates mortgage loan business through relationships developed from realtor calls and business development activities. Cross‑sell other credit union products and services.
• Assembles and organizes documents in loan file, ensuring completeness and accuracy in loan software and mortgage file. Distributes file to designated clerk or destination. Maintains a record of accurate loan information and status. Performs processing duties for mortgage loan applications of other originators as needed.
• Remains informed of current trends and market factors affecting mortgage lending.
• Ensures compliance with all regulatory programs including the Bank Secrecy Act, OFAC, and Customer Identification Program. Assists other department personnel and performs other duties as assigned. Remote employees must adhere to the agreed‑upon work schedule from a secure location and maintain regular, responsive communication during working hours.

• Produce assigned loan volume within established guidelines.
• Originate loans in and out of the office at borrower or other party's convenience.
• Ensure all approved loans comply with established loan standards.
• Ensure all applications are handled in a timely manner and in compliance with federal regulations and credit union policies.
• Meet realtor and builder offices within established guidelines.
• Maintain constant contact with all involved parties throughout and after the loan process.
• Maintain a professional, courteous, and friendly atmosphere for members and co‑workers.
• Ensure that each inquiring party receives a loan application packet with contact information.
• Complete required annual BSA/AML training with a passing grade of 80% or higher.
• Complete required Red Flags Program requirements, including documentation of discrepancy resolution as needed.
• Pass registration based on the SAFE Act requirements or already be registered.

• Experience:
  
  Three to five years of similar or related experience.
• Education:
  
  One of the following – a two‑year college degree; completion of a specialized certification or licensing; completion of specialized training courses; or job‑specific skills acquired through an apprenticeship…