Mortgage Loan Originator

REV Federal Credit Union•Summerville, SC

10d

About The Position

This role involves providing service to applicants and prospective customers seeking a home loan. Key responsibilities include interviewing, pre-qualification, pre-approval, completing applications, gathering supporting documentation, and reviewing regulatory disclosures with borrowers. The position also requires maintaining and generating referral business, educating branch staff about Real Estate Lending, quoting interest rates, and managing a pipeline of loans. The Mortgage Loan Originator will utilize loan origination software (LOS) and automated underwriting systems (AUS), communicate loan status to all parties, and adhere to REV's Policies and Procedures. Participation in REV sponsored events, area association events, sales meetings, and community outreach functions is also expected to enhance the Credit Union's image and develop new business opportunities.

Requirements

Minimum 3 years’ experience originating Conventional, FHA, VA, Jumbo loans
High school diploma or equivalent
Knowledge of real estate lending criteria, compliance, federal/state regulations
Excellent organizational, oral, and written communication skills
Experience with Microsoft Office Suite
Proficient with loan originator systems
Proficient with AUS (LP, DU, GUS)
Realtor relationships and book of business required
Exceptional customer service skills
Proven track record of building and maintaining strong, professional business relationships
Satisfactory credit record, bondable

Nice To Haves

Encompass Software experience is preferred
Prior builder experience strongly preferred
First time home-buyer experience a plus

Responsibilities

Providing service to applicants and prospective customers seeking a home loan, including interviewing, pre-qualification and pre-approval.
Completing application and gathering supporting documentation.
Reviewing and completing regulatory disclosures with borrower.
Maintaining existing and generating new sources of referral business.
Maintaining a presence in REV FCU branches and educating staff regarding Real Estate Lending.
Quoting interest rates and securing pricing through the Secondary Marketing Department.
Inputting application data into Loan Origination Software (LOS).
Utilizing automated underwriting systems (AUS) to obtain credit recommendations.
Communicating with all parties, both internal and external, regarding the status of the loan and relaying information to all interested parties.
Managing his/her pipeline of loans to verify accuracy of the current loan status.
Acknowledging and abiding by REVs Policies and Procedures.
Participating in REV sponsored events, and area association events.
Actively participating in all aspects of the Real Estate Office sales meetings.
Representing the Credit Union with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.