Bilingual Mortgage Loan Originator

TTCU•Tulsa, OK

2d•Onsite

About The Position

The Bilingual Mortgage Loan Originator (MLO) is responsible for proactively soliciting new mortgage business and selling TTCU mortgage products to meet loan quality and production goals. Support TTCUs strategic effort in growing the mortgage business and delivering extraordinary service to members and potential members. Grant or deny mortgage applications and initiate processing and preliminary underwriting to ensure timely closings. Performs duties in compliance with regulatory requirements including, but not limited to, the Bank Secrecy Act.

Requirements

Associates degree in Business, Finance or other related discipline required
2 years experience processing and/or closing FHA,VA, FHLMC, FNMA, 184 and USDA loans.
1 year experience Proven ability with negotiation and sales
Ability to qualify with NMLS (Nationwide Mortgage Licensing System)
Intermediate knowledge with Microsoft Office (Word, Excel, PowerPoint, SharePoint and Outlook)
Ability to learn proprietary computer software such as FSP, OnBase, Touché and Cisco Agent Desktop
Good organization skills and attention to detail and accuracy
Experience in processing & closing FHA, VA, FHLMC, FNMA, & USDA mortgages
Working knowledge of underwriting requirements
Ability to read and understand a credit report and appraisals
Advanced written and verbal communication skills including good grammar skills, are required for working directly with applicants, co-workers and members; good telephone skills.
Ability to create an atmosphere which promotes TTCUs Core Values by maintaining a high level of personal integrity, presenting a friendly, enthusiastic and professional demeanor while providing extraordinary service to members and fostering teamwork among employees.

Responsibilities

Grant or deny mortgage applications and initiate processing and preliminary underwriting to ensure timely closings.
Educate and advise members on the home buying process and how to best determine the right mortgage loan option; interview applicants in person or over the phone in order to provide and obtain information needed to originate the loan process, including review of the member's application; schedule meetings to obtain detailed loan information, evaluate and consider such loan information and answer any questions regarding the lending process.
Maintain communication with applicants throughout the process and answer questions about loan terms, closing expectations, and how to manage their mortgage after the closing.
Utilize business acumen to expand and develop TTCU referral relationships with realtors, builders, and third-party origination groups for the purpose of increasing loan opportunities and volume in mortgage originations and develop, create and provide presentations to various real estate groups about TTCU products and services.
Consult with current and potential members about ongoing and future needs in achieving their financial goals and objectives.
Be the trusted source for financial solutions by delivering extraordinary service and value with members, establishing ongoing financial services relationships, providing continuing service on all loans, encouraging members to continue their relationship with TTCU and expanding their use of available services to best meet the members individual financial goals.
Conduct research and analyze potential new loans/members/relationships by evaluating the sales database information, reaching out to members and using his/her experience, skills and business judgment to provide information regarding the menu of services and products which may be available.
Engage in continuing education and development regarding all applicable regulatory obligations, policies, and legislation to ensure all services rendered maintain both legal and TTCU compliance requirements.
Regularly use, develop and update skills and tools, including lending software, to conduct an initial analysis of credit, underwriting and other financial information to evaluate and determine the best recommendations for mortgage options for all applicants.
Generate production (sales) from an internal list of members that may not be taking advantage of TTCUs mortgage products via outbound phone calls, email, and other electronic forms of communication.