Mortgage Originator (Buffalo Region)

Broadview Federal Credit Union•Buffalo, NY

About The Position

If you are ready to join a company that truly cares about its employees, our members, and our community then you have come to the right place! Overview of the Role 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. Accountabilities and 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 Actively participate in area community lending activities by attending meetings and seminars and by soliciting applications for loan programs designed for those members Monitor activity through the pipeline process and respond to requests for information and applications in a timely manner Perform initial submission to Loan Prospector to obtain decisions and be able to advise applicant of correct fees and documents needed to process the loan Demonstrate a full understanding and knowledge of current policies regarding credit, appraisal, PMI and secondary market requirements for mortgage and cross sell product line, as well as a general knowledge of consumer loan products Assist in the development and implementation of the CU's Home Buyers' Seminar. Prepare information and training materials for realtor seminars Promptly respond to members' inquiries, providing accurate information regarding real estate loan programs Provide Sales Manager / VP Sales with a regular recap of all contacts made outside of the office in order to solicit mortgage referrals Establish rapport with area real estate brokers, soliciting referrals for mortgage applications, providing training seminars for agents, and providing current rates and mortgage program information Provide mortgage consultations for members at a suitable location Provide assistance to Broadview's branches for mortgage information and application appointments Work closely with branch and Call Center staff to provide prompt service to membership Recommend to applicants the best program to suit their needs, and advise them of their ability to qualify for a mortgage Assist applicants in completing and submitting mortgage loan applications; requesting additional information when necessary Discuss problems regarding information received in order to expedite the application processing Demonstrate understanding of closing functions and discuss problems with attorney and/or title company Attend outside seminars in conjunction with new business development to promote Broadview's products Initiate opportunities to cross-sell Broadview's products and services Participate in the development of new loan originations procedures under the direction of the Sales Manager / VP Sales Other duties as needed

Requirements

An Associate’s degree or equivalent plus a minimum of 3 years of lending experience is required
Experience should include at least 1 year working with mortgage loans.
Ability to use Microsoft Word and Excel strongly preferred.
Must obtain national licensing in compliance with The New York State Banking Law and Regulations and the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act).
The request for licensing will be reviewed following successful completion of a background check, 20 hours of pre-licensing education, and a passing score on the national licensing exam.
Final licensing determination will be made by the appropriate regulatory entity
Continue to comply with NYS law and SAFE Act requirements of 11 hours continuing education (topics to be determined) every year thereafter
Maintain compliance with all that is required to be a licensed Mortgage Loan Originator.
This includes all applicable background and credit checks as well as passage of all national and state-specific exams
Driver’s License is necessary to be able to travel to branches and appointments

Nice To Haves

Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply.

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
Actively participate in area community lending activities by attending meetings and seminars and by soliciting applications for loan programs designed for those members
Monitor activity through the pipeline process and respond to requests for information and applications in a timely manner
Perform initial submission to Loan Prospector to obtain decisions and be able to advise applicant of correct fees and documents needed to process the loan
Demonstrate a full understanding and knowledge of current policies regarding credit, appraisal, PMI and secondary market requirements for mortgage and cross sell product line, as well as a general knowledge of consumer loan products
Assist in the development and implementation of the CU's Home Buyers' Seminar.
Prepare information and training materials for realtor seminars
Promptly respond to members' inquiries, providing accurate information regarding real estate loan programs
Provide Sales Manager / VP Sales with a regular recap of all contacts made outside of the office in order to solicit mortgage referrals
Establish rapport with area real estate brokers, soliciting referrals for mortgage applications, providing training seminars for agents, and providing current rates and mortgage program information
Provide mortgage consultations for members at a suitable location
Provide assistance to Broadview's branches for mortgage information and application appointments
Work closely with branch and Call Center staff to provide prompt service to membership
Recommend to applicants the best program to suit their needs, and advise them of their ability to qualify for a mortgage
Assist applicants in completing and submitting mortgage loan applications; requesting additional information when necessary
Discuss problems regarding information received in order to expedite the application processing
Demonstrate understanding of closing functions and discuss problems with attorney and/or title company
Attend outside seminars in conjunction with new business development to promote Broadview's products
Initiate opportunities to cross-sell Broadview's products and services
Participate in the development of new loan originations procedures under the direction of the Sales Manager / VP Sales
Other duties as needed