Mortgage Loan Originator

Financial Plus Credit Union • Flint, MI

1d

About The Position

To assist members with their mortgage lending needs: analyze loan requests and make credit decisions based on mortgage lending policy.

Requirements

• 5 or more years of Mortgage Loan Origination experience with a proven track record of achieving production results
• Strong analytical skills with the ability to make sound decisions
• Ability to manage time and workload independently through organization and efficiency
• Ability to adhere to internal policies as well as external policies and regulations set forth by the NCUA
• Self-motivation with the ability to effectively prioritize work
• Ability to learn new tasks, processes and change quickly and efficiently
• Must be able to operate all basic office equipment
• Must comply with all federal and state laws and regulations including the Bank Secrecy Act, Patriot Act, Office of Foreign Asset Controls, FCRA, FDC and Graham Leach-Bliley.
• Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables
• Must be bondable.
• Internal annual compliance testing required

Nice To Haves

• Associates degree or higher preferred but not required

Responsibilities

• Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meets approval based on loan application and requests additional information.
• Take thorough loan applications and ensure a high-quality of work, absent of errors, omissions, and audit exceptions
• Prospect daily
• Develop strategic business partners to create a strong referral network
• Build relationships with current and new members and provide them with products and services to meet their changing needs
• Exceed customer service expectations
• Coordinate all aspects of the mortgage application process to include preparing initial Loan Estimate
• Communicate effectively with peers, colleagues, and management
• Meet monthly production goals set forth by the company
• Responsible for engaging in marketing and promotional activities in support of sales goals
• Cross-sells other Credit Union services
• Markets the Credit Union's mortgage lending program to companies and individuals within the real estate community
• Stay informed of current market trends, loan programs, credit union policies and procedures and all regulatory requirements as it relates to real estate lending
• Comply with all mortgage laws and regulations
• Provide SPARK! Service Standards to all members and team members to ensure the highest level of member satisfaction
• Comply with all federal and state laws and regulations including the Bank Secrecy Act, Patriot Act, Office of Foreign Asset Controls, FCRA, FDC and Graham Leach-Bliley.
• May perform other job related duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree
• Number of Employees: 1-10 employees