HELOC Loan Originator - Bilingual

Credit Union of Texas•Allen, TX

2d•Onsite

About The Position

The HELOC Loan Originator - Bilingual provides member service to English- and Spanish-speaking members seeking home equity products at Credit Union of Texas (CUTX). The role handles inbound and outbound calls, originates HELOC and related real estate loan applications, explains CUTX home equity products, and coordinates with processing, underwriting, and closing teams from initial inquiry through funding. The position operates in a high-volume sales and service environment and is accountable for production goals and compliance with the SAFE Act, TRID, and CUTX policies. The Loan Originator manages application pipelines, communicates with members about application status and required documentation, and maintains accurate, audit-ready records. The role requires active NMLS registration, bilingual English/Spanish proficiency, knowledge of Texas home equity lending requirements, and familiarity with loan origination systems and call center tools. The role uses CUTX-approved AI-augmented workflows for tasks such as drafting member communications, translation support for non-legal communications, document extraction, call summarization, and policy knowledge retrieval. The Loan Originator must review and validate AI outputs, protect member and company information, follow applicable AI controls, and complete required AI training. The position is performed on-site at the CUTX Corporate Office in a call center environment. Work is primarily sedentary at a workstation using a computer, telephone headset, and standard office equipment.

Requirements

High school diploma or GED.
One to two years of similar or related experience in loan origination, loan processing, funding analysis, or consumer/real estate lending.
Active registration with the Nationwide Mortgage Licensing System and Registry (NMLS) as a Mortgage Loan Originator under the SAFE Act; must be obtained or maintained as a condition of employment.
Pass CUTX's Spanish proficiency assessment.
Working knowledge of Texas home equity lending requirements, including homestead and real estate collateral rules.
Working knowledge of TRID disclosure timelines and consumer real estate lending regulations.
Proficiency with Encompass, Symitar, Salesforce, or comparable loan origination and servicing platforms.
Proficiency with Microsoft Office (Word, Excel, Outlook) and standard call center/telephony tools.
Typing speed of at least 40 words per minute.
Strong written and verbal communication skills in English and Spanish, including professional telephone etiquette.
Ability to calculate rates, percentages, interest, and basic loan figures accurately.
Strong time management skills and ability to manage a high-volume pipeline in a fast-paced environment.
Strong attention to detail and documentation discipline.
Ability to follow applicable enterprise, role-specific, and AI-related compliance requirements.
Ability to review, validate, and take responsibility for AI-influenced communications, data, and actions.

Nice To Haves

Associate or bachelor's degree.
Prior HELOC, home equity, or mortgage origination experience.
Prior credit union or community bank experience.
Prior call center or high-volume sales-and-service experience.
Prior experience using AI- or analytics-driven productivity tools.
Valid Texas driver's license.

Responsibilities

Answer inbound calls and place outbound calls to members and prospects in English and Spanish regarding HELOC, home equity, and related real estate products.
Conduct needs-based conversations to identify appropriate CUTX home equity solutions for members.
Enter HELOC applications into the loan origination system and ensure required disclosures are issued within TRID timelines.
Explain CUTX home equity and mortgage products, rates, terms, and qualification requirements.
Meet or exceed monthly, quarterly, and annual production and conversion goals.
Maintain communication with borrowers about application status and required supporting documentation.
Follow up with members and internal partners to advance applications within established cycle-time targets.
Respond tactfully and courteously to HELOC-related questions by phone, email, and other electronic channels.
Provide bilingual member service, including translation of product information and disclosure discussions within approved guidelines.
Maintain active MLO registration through NMLS in accordance with the SAFE Act.
Apply CUTX loan policies, procedures, and Texas home equity lending rules, including requirements for homestead and real estate collateral.
Ensure required disclosures are accurate, complete, and issued within regulatory timelines.
Document member interactions and application activity sufficiently to support audits and examinations.
Collaborate with processors, underwriters, closers, and branch partners to resolve issues and deliver a seamless member experience.
Participate in pilots of CUTX-approved AI tools, provide feedback, and adopt approved enhancements.
Review every AI-drafted member communication before sending and validate AI-extracted application data against source documents before submitting files to processing.
Escalate AI output that appears inaccurate, biased, non-compliant, or outside the role's scope; protect information by following approved AI-use controls.
Complete required AI training within 30 days of hire and maintain currency through annual refreshers.
Complete additional duties as assigned by management.