Mortgage Loan Originator - Carbondale IL
About The Position
The Mortgage Loan Originator manages the full lifecycle of real estate and home equity loans, providing expert borrower consultation and credit counseling while ensuring technical accuracy in underwriting, regulatory compliance (HMDA/RESPA), and secondary market delivery. This role is the primary guide for members navigating the path to a new home or leveraging their home's equity, handling the entire journey from the first interview and credit counseling to underwriting and the final closing signature. It combines technical processing with a high-touch, personal approach to member service.
Requirements
- High school diploma or equivalent.
- Must maintain an active NMLS registration.
- Must be bondable and detail oriented.
- Proficiency in PC software and a deep understanding of modern mortgage products and industry standards.
- Strong decision-making abilities, excellent written/verbal communication, and the judgment to recommend policy improvements based on industry trends.
Nice To Haves
- Experience with loan documents and familiarity with general ledgers is preferred.
- A dedication to providing high-level customer service and helping members navigate complex financial transitions with ease.
Responsibilities
- Conduct interviews to qualify borrowers, quote rates, and provide credit counseling to help members improve their future loan eligibility.
- Manage applications from start to finish-verifying income, ordering appraisals and title commitments, and preparing final loan documents.
- Approve or deny first mortgages and home equity loans within Board-designated limits, ensuring every decision is sound and well-documented.
- Facilitate professional loan closings and manage the disbursal of funds for both in-house and secondary market loans.
- Ensure 100% adherence to RESPA and HMDA requirements, including timely disclosures and mandatory legal mailings.
- Package final loan files for secondary market partners and coordinate with external lenders to support institutional growth.
Benefits
- Paid time off
- Paid holidays
- 401(k) profit share options
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
