Mortgage Loan Originator
About The Position
Join Our Team as a Mortgage Loan Originator at IHMVCU! At IHMVCU, we are member-focused and dedicated to providing exceptional service while fostering financial well-being within the communities we serve. We are passionate about helping our members achieve homeownership and reach their financial goals by offering personalized mortgage solutions and trusted guidance throughout the lending journey. We are seeking a motivated, relationship-driven Mortgage Loan Originator to join our team in the Des Moines area. In this role, you will assist members with their mortgage lending needs from application through closing, while creating a smooth, supportive, and efficient experience every step of the way. The ideal candidate is passionate about building meaningful relationships, educating members on mortgage options, and helping individuals and families feel confident throughout the homebuying process. This position offers the opportunity to grow community connections, deliver personalized financial guidance, and make a lasting impact by helping members achieve one of life's biggest milestones: homeownership.
Requirements
- Bachelors degree or equivalent education and experience
- Prior loan experience required in: consumer lending, commercial lending, processing or underwriting.
- Experience in proven successful sales, Minimum of 2 years.
- Must be eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and must maintain registration with NMLS as a registered Mortgage Loan Originator (MLO).
Responsibilities
- Assist members complete full application process via face-to-face, phone or online. Obtain all necessary support documents, review credit information and investigates all inconsistencies. Professionally convey preliminary underwriting decision to borrower.
- Develop and maintain referral relationships with members, area realtors, builders and others involved in the real estate process.
- Work with mortgage department staff in analyzing and solving situations. Obtain outstanding loan documentation after closing as needed.
- Strong ability to articulate complex information in a clear and concise manner, both verbally and in writing to both members and realtors.
- Lock the terms of the loan with secondary market investor. Responsible for meeting rate lock deadlines. Must negotiate terms and conditions of loans with members in accordance with credit union policies and procedures.
- Have knowledge of all mortgage loan products and programs offered by the credit union, including those available through our affiliate relationships. (ex: PHH, IHDA, FHLB,FHA, city and state programs)
- Understand and apply all federal and state regulations governing credit union lending, with particular emphasis on mortgage lending. Prepare and deliver all disclosures to meet compliance requirements.
Benefits
- Final compensation will be determined by various factors such as experience, specific skills and internal pay equity.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
