Mortgage Loan Originator

Job Title: Mortgage Loan Originator

Department: Mortgages

Reports to: Mortgage Sales Manager

Hours per Week: Salary Exempt

Rate of Pay: Base Salary Plus Commission

Position Summary:

To assist members with their mortgage lending needs: analyze loan requests and make credit decisions based on mortgage lending policy.

Essential Function and Responsibilities:

• Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meets approval based on loan application and requests additional information.
• Take thorough loan applications and ensure a high-quality of work, absent of errors, omissions, and audit exceptions
• Prospect daily
• Develop strategic business partners to create a strong referral network
• Build relationships with current and new members and provide them with products and services to meet their changing needs
• Exceed customer service expectations
• Coordinate all aspects of the mortgage application process to include preparing initial Loan Estimate
• Communicate effectively with peers, colleagues, and management
• Meet monthly production goals set forth by the company
• Responsible for engaging in marketing and promotional activities in support of sales goals
• Cross-sells other Credit Union services
• Markets the Credit Union's mortgage lending program to companies and individuals within the real estate community
• Stay informed of current market trends, loan programs, credit union policies and procedures and all regulatory requirements as it relates to real estate lending
• Comply with all mortgage laws and regulations
• Provide SPARK! Service Standards to all members and team members to ensure the highest level of member satisfaction
• Comply with all federal and state laws and regulations including the Bank Secrecy Act, Patriot Act, Office of Foreign Asset Controls, FCRA, FDC and Graham Leach-Bliley.
• May perform other job related duties as assigned.