Mortgage Loan Originator

TENNESSEE VALLEY FEDERAL CREDIT UNI•Dalton, GA

18d•Onsite

About The Position

TVFCU desires to recruit talented service professionals who embody our overall values and are passionate about the work they do for our membership. An individual in a Mortgage Loan Originator position will be responsible for proactively originating, structuring, and closing real estate loans, as well as representing the Credit Union through community involvement. The Mortgage Loan Originator position will also strive to provide exceptional member service by: ESSENTIAL DUTIES AND RESPONSIBILITIES: Contributing to the development and refinement of the Credit Union’s lending vision and strategy, working in a team environment focused on member service and closing quality loans within expected turn times. Ensuring exceptional member experience by overseeing the loan process from origination to closing, providing on-going communication to members and business partners. Meeting with members as necessary during various stages of the loan process. Determining member financing objectives, advising members of product offerings, and gathering any additional information in order to recommend the correct mortgage product(s). Proactively soliciting new residential mortgage business and selling TVFCU mortgage products to meet established loan production and quality goals. Identifying, developing, and maintaining a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities. Building a network of Real Estate professionals, builders, and professional/personal contacts. Utilizing TVFCU Real Estate Department training materials, reference tools, and other resources to provide accurate and up-to-date loan program information to members. Providing complete and accurate loan applications to TVFCU's Real Estate Department. Ensuring successful completion of all assigned tasks and job related training requirements. Maintain knowledge of branch operations by completing Deposit Regulation and Product and Service Certification courses. Proactively demonstrate the TVFCU core values of integrity, honesty, flexibility, teamwork, leadership, accountability and strong relationships in every interaction with members. Perform other duties as assigned.

Requirements

High school diploma or equivalent required.
Minimum of three (3) years of mortgage lending experience with a strong understanding of lending products and guidelines.
Ability to analyze financial and credit data, including income, debt, and credit history, to assess borrower qualifications.
Ability to maintain up-to-date knowledge of mortgage products, rates, lending programs, policies, procedures, and regulatory requirements.
Demonstrate commitment to professional ethics, including but not limited to adherence to all State and Federal regulations.
Able to listen effectively and clearly communicate complex financial scenarios to prospective borrowers.
Comfort with substantial personal contact with clients and colleagues inside and outside of TVFCU for information sharing, relationship building, and soliciting cooperation.
Motivated team player with strong people skills, attention to detail, and the ability to handle multiple tasks accurately while maintaining a positive attitude.
Proficiency in MS Office and familiarity with proprietary mortgage software.
Must be able to be bonded and meet SAFE Act requirements, including but not limited to registration or licensing via the Nationwide Multistate Licensing System (NMLS).
If you are considered for an offer of employment at TVFCU, you must successfully complete a pre-employment screen that includes: Verification of education, employment and other pertinent data included on your employment application, and eligibility to work in the United States Criminal background check and drug screening Pre-employment credit check required Pre-employment screening helps TVFCU provide a safe environment for our members and employees, minimize risk, and ensure federal compliance.

Responsibilities

Contributing to the development and refinement of the Credit Union’s lending vision and strategy, working in a team environment focused on member service and closing quality loans within expected turn times.
Ensuring exceptional member experience by overseeing the loan process from origination to closing, providing on-going communication to members and business partners.
Meeting with members as necessary during various stages of the loan process.
Determining member financing objectives, advising members of product offerings, and gathering any additional information in order to recommend the correct mortgage product(s).
Proactively soliciting new residential mortgage business and selling TVFCU mortgage products to meet established loan production and quality goals.
Identifying, developing, and maintaining a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities.
Building a network of Real Estate professionals, builders, and professional/personal contacts.
Utilizing TVFCU Real Estate Department training materials, reference tools, and other resources to provide accurate and up-to-date loan program information to members.
Providing complete and accurate loan applications to TVFCU's Real Estate Department.
Ensuring successful completion of all assigned tasks and job related training requirements.
Maintain knowledge of branch operations by completing Deposit Regulation and Product and Service Certification courses.
Proactively demonstrate the TVFCU core values of integrity, honesty, flexibility, teamwork, leadership, accountability and strong relationships in every interaction with members.
Perform other duties as assigned.