Mortgage Loan Originator - Inside Sales

Rockland Federal Credit Union • Lowell, MA

107d

About The Position

Under the direction of the SVP/Residential Lending assists members in determining the proper mortgage program, completing the mortgage application and gathering the necessary documentation to begin the mortgage approval process. Reviews mortgage loans based on secondary market and RFCU guidelines for pricing and offers and accepts mortgage loan rate locks. Determines product and investor eligibility for all loans. Meets with members both in person and over the phone regarding loan program criteria, conditions and status. Accepts loan applications using secondary market and RFCU guidelines. Determines documentation necessary to support loan applications. Collects and analyzes customer financial information for multifaceted and/or complex borrowers. Manages a portfolio of customer relationships. Seeks prospective opportunities to retain and/or develop new clients. Responsible for sales calls. Works with Branch personnel to train and assist them in taking mortgage applications. Ensures compliance with HMDA data collection procedures. Ensures accurate entry of data into LOS system. Complies with Federal, State and local laws and regulations by maintaining a current knowledge of same.

Requirements

• High school diploma or equivalent.
• Previous banking experience required with a focus on mortgage lending and credit review/underwriting.
• Must be service-oriented with strong organizational skills and attention to detail.
• Technically proficient in MS Office and able to quickly learn and support digital platforms.
• Ability to work a flexible schedule to meet the needs of our members.

Responsibilities

• Assist members in determining the proper mortgage program.
• Complete the mortgage application and gather necessary documentation.
• Review mortgage loans based on secondary market and RFCU guidelines.
• Offer and accept mortgage loan rate locks.
• Determine product and investor eligibility for all loans.
• Meet with members regarding loan program criteria, conditions, and status.
• Accept loan applications using secondary market and RFCU guidelines.
• Determine documentation necessary to support loan applications.
• Collect and analyze customer financial information for complex borrowers.
• Manage a portfolio of customer relationships.
• Seek prospective opportunities to retain and/or develop new clients.
• Conduct sales calls.
• Train and assist Branch personnel in taking mortgage applications.
• Ensure compliance with HMDA data collection procedures.
• Ensure accurate entry of data into LOS system.
• Comply with Federal, State and local laws and regulations.

What This Job Offers

• Job Type: Full-time
• Industry: Credit Intermediation and Related Activities
• Education Level: High school or GED