Mortgage Originator (Syracuse)

Broadview Federal Credit Union•Syracuse, NY

About The Position

Promote Mortgage Services’ real estate loan products through direct contact with members, future members, real estate brokers, builders, and others. Originate loan applications from internal and external sources. The role includes advising applicants on mortgage programs and eligibility, supporting application processing, developing referral relationships, and participating in community lending and business development activities. The position requires travel to branches and appointments and compliance with applicable mortgage loan originator licensing requirements.

Requirements

An Associate’s degree or equivalent.
A minimum of 3 years of lending experience, including at least 1 year working with mortgage loans.
Obtain and maintain national licensing in compliance with New York State Banking Law and Regulations and the SAFE Act, including required background and credit checks, 20 hours of pre-licensing education, and passing national and state-specific exams.
Complete 11 hours of continuing education every year as required by New York State law and the SAFE Act.
A valid driver’s license to travel to branches and appointments.

Nice To Haves

Ability to use Microsoft Word and Excel is strongly preferred.
Fluency in a second language in addition to English is highly encouraged.

Responsibilities

Meet the Credit Union's and Mortgage Services’ standards for consistent quality customer service.
Review pre-approval applications and issue pre-approval certificates to qualified candidates.
Participate in area community lending activities by attending meetings and seminars and soliciting applications for loan programs.
Monitor activity through the pipeline process and respond to requests for information and applications in a timely manner.
Submit initial applications to Loan Prospector to obtain decisions and advise applicants of the fees and documents needed to process loans.
Maintain knowledge of current credit, appraisal, PMI, secondary market, mortgage, cross-sell, and consumer loan product requirements.
Assist in developing and implementing the CU's Home Buyers' Seminar and prepare information and training materials for realtor seminars.
Respond promptly to members' inquiries with accurate information regarding real estate loan programs.
Provide the Sales Manager / VP Sales with regular recaps of contacts made outside the office to solicit mortgage referrals.
Build relationships with area real estate brokers, solicit mortgage application referrals, provide agent training seminars, and share current rates and mortgage program information.
Provide mortgage consultations for members at suitable locations.
Assist Broadview branches with mortgage information and application appointments.
Work closely with branch and Call Center staff to provide prompt service to members.
Recommend suitable loan programs to applicants and advise them of their ability to qualify for a mortgage.
Assist applicants in completing and submitting mortgage loan applications and request additional information when needed.
Discuss issues with information received to expedite application processing.
Understand closing functions and discuss problems with attorneys and/or title companies.
Attend outside seminars in conjunction with new business development to promote Broadview products.
Identify opportunities to cross-sell Broadview products and services.
Participate in developing new loan origination procedures under the direction of the Sales Manager / VP Sales.
Perform other duties as needed.