Mortgage Loan Originator-Outside Sales

CREDIT UNION 1•Lombard, IL

About The Position

Credit Union 1 is Recognized as a Chicago Tribune and Las Vegas Review-Journal Top Workplace 2025 We are excited to announce that Credit Union 1 has been recognized as a Chicago Tribune and Las Vegas Review-Journal Top Place to work for the fifth year in a row! The Top Workplaces explore how organizations create and sustain a positive and productive work culture. A great culture is important to Credit Union 1, and our culture is made up of more than great benefits and time off. Join the Credit Union 1 Team If you are highly motivated, friendly, and looking for a great place to work, join the Credit Union 1 team. As an employee of Credit Union 1, you will be part of a well-established and respected credit union that offers you amazing benefits, along with both stability and the opportunity for a great career path. Top reasons to begin a career at Credit Union 1: Get paid for NOT working 14 holidays each year! Paid Time Off (PTO) begins accruing day one of employment Tuition reimbursement for approved courses (after 1 year) Free Employee Assistance Program (EAP) Livongo Diabetes Management Program Career growth opportunities it's our philosophy to promote from within whenever possible. Credit Union 1 is committed to your success and professional development. Excellent benefits packages including: Medical PPO insurance High Deductible Health Plan (HDHP) and Health Savings Account (HSA) Dental & vision insurance Life, AD&D, short and long-term disability insurance (100% company paid) 401(k) retirement and profit-sharing plan (must be 20 years old) Free Teledoc 24/7 Physician Services Pet Insurance Paid Family Medical Leave (When FMLA Eligible) Being part of a team providing services with the goal of improving the ongoing economic well-being of our members. Exclusive interest rate reduction for qualifying loan products. The Job at a Glance Provides financial Mortgage products/services to existing and potential new members applying through the branch retail network and potential overflow of CU1 online portal and phone channel applications in a confident and professional manner that assures efficient operations and exceptional service. Assertively executes cross selling with members and potential members to increase growth. This position is required to accurately open new mortgage and additional Credit Union 1 accounts. Process all lending requests, including interviewing, obtaining decisions, obtaining lending documents to ensure closing of the loan. This position also assists with more difficult transactions or service issues. Multitasking is required of this position to accommodate staffing needs throughout the mortgage team platform.

Requirements

Bachelor's Degree in Business Administration, Marketing or related field of study preferred. Will accept any suitable combination of education, experience, and/or training.
Minimum 2 years’ experience meeting creating business development programs, policies, and standards for member facing employees to ensure the ability to exceed member expectations and help members reach their full economic potential. Financial industry experience is preferred.
Exceptional communication and collaboration skills with ability to effectively communicate with members, peers and supporting staff.
Capable of undertaking tasks broad in nature, requiring ingenuity and originality
Ability to operate independently, and exercise significant latitude for independent judgement, discretion, and action.
Working knowledge of computers and software
Working on a team to exceed individual goals to reach collective credit union goals and team goals when needed.

Responsibilities

Develop and build referral relationships with external sources such as realtors, builders, attorneys, professional and community associations to proactively promote Credit Union 1’s portfolio and secondary market mortgage products.
Initiate and guide members in a timely manner through a detailed and comprehensive mortgage loan process; the credit union’s point of sale member information gathering platform according to established department policies; processes and procedures.
Analyze credit, run initial automated desktop underwriting engine (DU) follow findings and/or company standards.
Build relationships with members by educating them about mortgage products and services they could benefit from, helping them achieve their full economic potential.
Ensure all appropriate disclosures and required documents are issued within the required time frames to meet compliance standards including but not limited to HMDA, RESPA, Reg Z, and/or the credit union’s lending policies.
Communicate in a continuous and timely manner with all parties involved in the transaction (internal and external) to ensure clarity, according to Credit Union 1’s established service standards. Properly document all communications
Remain cognizant of and adhere to Credit Union 1 mortgage policies and procedures, industry norms and banking.
Have advanced knowledge of duties and responsibilities performed as a Mortgage Loan Originator; utilize approval limits and privileges appropriately.
Have a thorough understanding of the credit union’s strategic initiatives and align individual performance to achieve those initiatives.
Identify opportunities to sell/cross-sell business banking products to our existing client base to meet member needs.
Handle complex situations with confidence, knowledge, and creativity.
Assume responsibility for mortgage sales performance expectations, loan profitability and mortgage solutions team performance through individual contributions.

Benefits

Get paid for NOT working 14 holidays each year!
Paid Time Off (PTO) begins accruing day one of employment
Tuition reimbursement for approved courses (after 1 year)
Free Employee Assistance Program (EAP)
Livongo Diabetes Management Program
Career growth opportunities it's our philosophy to promote from within whenever possible. Credit Union 1 is committed to your success and professional development.
Medical PPO insurance
High Deductible Health Plan (HDHP) and Health Savings Account (HSA)
Dental & vision insurance
Life, AD&D, short and long-term disability insurance (100% company paid)
401(k) retirement and profit-sharing plan (must be 20 years old)
Free Teledoc 24/7 Physician Services
Pet Insurance
Paid Family Medical Leave (When FMLA Eligible)
Being part of a team providing services with the goal of improving the ongoing economic well-being of our members.
Exclusive interest rate reduction for qualifying loan products.