Senior Mortgage Loan Originator II - (Carson City, NV)

America First Credit Union

19h

About The Position

The Senior Mortgage Loan Originator II proactively solicits outside mortgage business to meet established loan quality, production and service goals. Develops and maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities, and professionals, builders, professional and personal contacts, as well as other valuable referral sources. Oversees origination of all mortgage loan products and programs. The Senior MLO II responds to member inquiries and referrals that are generated from both their own contacts and from other business channels. The Senior MLO II conducts interviews with prospective borrowers to analyze financial and credit data, determine financing objectives, advise members of product/pricing policies and guidelines, and gather any additional required information and/or documentation. The Senior MLO II ensures exceptional service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all federal and state compliance policies and adhering to HMDA requirements.

Requirements

• Bachelor’s degree in business or related field or an equivalent combination or formal training and experience
• Qualifies under Federal and state standards for licensing.
• Understanding of the foundation of determining creditworthiness and borrower qualification.
• Knowledge of Credit Union loan policies, products, procedures, processing, and underwriting guidelines.
• Familiarity with title reports, insurance and appraisals
• Knowledge of mortgage investor selling guidelines and requirements.
• 5 years of mortgage loan originating experience.
• Mortgage lending experience in conventional, FHA, VA. USDA, HECM, lot and construction loans.
• Strong interviewing skills.
• Ability to interact effectively with staff to achieve desired outcomes.
• Ability to create, execute, and revise a marketing plan as needed.
• Excellent communication and public relations abilities.
• Strong analytical and financial skills.
• Ability to work in a fast-paced, deadline driven environment and under pressure as needed.
• Able to operate related computer applications, calculator, and other basic business equipment.
• Successful completion of the NMLS registration process, which includes, but is not limited to:
• Passing an approved credit screening
• Completing all required SAFE Act courses
• Attesting to personal information
• Submitting fingerprints for background check
• Maintaining annual licensure renewal

Nice To Haves

• Real estate background helpful and a verifiable existing network of industry professionals (agents and builders.)

Responsibilities

• Ensures the effective and professional completion of assigned loan origination functions.
• Meets loan production and service expectations as established.
• Establishes and maintains effective and professional business relations with members, realtors, builders, co-workers, and other industry professionals.
• Establishes and maintains effective communication and coordination with credit union personnel and with management.
• Performs related duties as required or assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees