Internal Mortgage Loan Originator

Credit Union of Colorado•Denver, CO

14d•$31 - $37•Hybrid

About The Position

Responsible for originating member mortgage loan requests within the Credit Union’s Loan Policy guidelines. Responsible to actively follow up on all internal lead sources. Responsible for processing originated loan requests in accordance with established guidelines and regulatory requirements and accurately submitting to underwriting for approval. Assists or refers members as necessary. Manage pipeline of originated loans and be responsible for directing all efforts related to providing excellent member service by demonstrating courtesy and personal concern for members. Ability to work in a team dedicated to providing world class service that will maintain and grow a member’s relationship with Credit Union of Colorado. Effective communication with internal and external members is critical in meeting key performance metric and contributing to the success of the team.

Requirements

High school diploma or general education degree (GED)
two years of recent secondary market mortgage processing experience or member service preferred
Mortgage application experience preferred
Ability to be NMLS registered
Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position

Responsibilities

Maintain service level expectations for member experience
Originate mortgage loans through internal resources
Discuss loan application and decision with potential borrowers (including what items would be needed to complete loan process)
Partner with branch and contact center teams to ensure members receive timely and accurate mortgage guidance.
Process mortgage loans from applications originated; submitting to underwriting, clearing conditions and obtaining final approval.
Reviews and organizes all necessary documentation within loan files
Researches and resolves internal and external member issues in a timely, consistent and professional manner.
Stays informed regarding developments and changes in the credit field including best practices.
Reviews title policies for ownership verification and ensure lien position
Works with borrower and title company to resolve any outstanding title items
Ensure all mortgage loan applications are disclosed within TRID/RESPA compliance timelines
Ensure pricing and fees are accurately reflected on each transaction and obtain and review all necessary appraisals, title and tax certificates, credit documents, mortgage insurance, flood and hazard insurance, HOA certificates, subordination agreements and other documents as required
Verifies flood zone data for loans in process and provides timely disclosure of flood notices when applicable
Works with applicable third parties to obtain necessary loan documentation
Audit conditions prior to file submission to underwriting.
Assist members with loan level questions and concerns.
Review reporting to target loans in the pipeline that need special attention.
Ensures timely receipt and proper completion of all documents in accordance with established procedures; organizes documentation in established file order for underwriter review
Must have the ability to be NMLS registered
Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position
Process originated files from applications received, submitting to underwriting, clearing conditions and obtaining final approval
Deliver clean, complete and accurate files to underwriting
Communicate effectively with internal and external members
While performing the duties of this position, the employee will view, have access to, and work with confidential financial data. The employee in this position must adhere to strict confidentiality policies and procedures
Ensures that the Credit Union’s professional reputation is maintained
Represents the Credit Union in contact with business and trade professionals
Performs additional duties and responsibilities as assigned