Mortgage Loan Originator - Outside Sales

TruWest Credit Union•Tempe, AZ

1d•Hybrid

About The Position

This position is responsible for the outside sales of Mortgage and Home Equity loan products. This is done by building strong referral-based relationships with key stakeholders from different areas of the real estate market. The successful candidate will be responsible for loan origination, sales activities, member experience and multi-tasking in a fast-paced environment. The outside sales model at TruWest focuses on unique, individual relationships to sell home lending products to consumers new to the credit union, with a focus on building relationships with Realtors, Builders, and other Lenders. Our MLOs work independently in collaboration with a first-class fulfillment and servicing team to ensure an amazing experience for our borrowers from origination to closing.

Requirements

NMLS registration or eligibility for NMLS registration required.
A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or job-specific skills acquired through an apprenticeship or similar program.
Minimum of 2 or more years successful mortgage origination experience with a transferable book of referral business and strong centers of influence.
Strong drive for sales success, resilient ability to make sales calls to referral partners and a passion for community involvement to make a difference in the lives of others.
Influential communication style, both verbal and written.
Proficient knowledge of mortgage products, including but not limited to Fannie Mae, Ginnie Mae, Jumbo, Super-Jumbo, Home Equity and Portfolio Lending specific to retail origination and broker business.
Impeccable organization skills.
Ability to be a positive change agent in a fast-paced, evolving environment of retail mortgage sales.
Must have valid driver’s license and reliable transportation.

Responsibilities

Make sales calls to external referral sources to build relationships and foster a consistent stream of referral business.
Understand and interpret underwriting and eligibility guidelines for loan products offered by TruWest Credit Union and its partners to present the best loan product to each applicant.
Originate quality mortgage and home equity loans.
Own the borrower relationship and create an amazing borrower experience by taking complete applications, obtaining initial documentation, locking interest rates, providing accurate disclosures, and setting expectations.
Work remotely while engaged in the primary function of making sales calls to sources external to TruWest Credit Union and travel to HQ when necessary for team meetings, training, and other events as scheduled by Management.
Demonstrate knowledge of all applicable State and Federal guidelines governing Mortgage and Consumer Lending.
Comply with all TruWest Credit Union policies and procedures and further comply with federal and state regulations including but not limited to The Bank Secrecy Act, Appraiser Independence Requirements, Regulation B, Fair Lending, the Safe Act, the Fair Credit Reporting Act, Confidentiality Agreements and TruWest Security Policies.
Participate in community events and business development activities to drive sales and identify new sources of referrals to build your business. Develop and maintain strong relationships with all referral sources, including but not limited to Realtors, Brokers, Lenders, Builders, Developers, CPAs, Insurance Agents, and Title Representatives.
Maintain current knowledge of market conditions, economic activity and other local and national developments related to the business of Mortgage Loan Origination and Financial Institutions to position TruWest Credit Union as a leader in the industry.
Manage your pipeline to ensure all borrowers are serviced and funded loans are prioritized.
Maintain and renew NMLS ID as required.
Additional duties as assigned.