Mortgage Loan Originator

Company: Financial Plus Credit Union
Location: Flint
Posted on: May 27, 2023

Job Description:

Description:Job Title: Mortgage Loan OriginatorDepartment: MortgagesReports to: Mortgage Sales ManagerHours per Week: Salary Non-ExemptRate of Pay: Base Salary Plus CommissionPosition Summary:To assist members with their mortgage lending needs: analyze loan requests and make credit decisions based on mortgage lending policy.Essential Function and Responsibilities:Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meets approval based on loan application and requests additional information.Take thorough loan applications and ensure a high-quality of work, absent of errors, omissions, and audit exceptionsProspect dailyDevelop strategic business partners to create a strong referral networkBuild relationships with current and new members and provide them with products and services to meet their changing needsExceed customer service expectationsCoordinate all aspects of the mortgage application process to include preparing initial Loan EstimateCommunicate effectively with peers, colleagues, and managementMeet monthly production goals set forth by the companyResponsible for engaging in marketing and promotional activities in support of sales goalsCross-sells other Credit Union servicesMarkets the Credit Union's mortgage lending program to companies and individuals within the real estate communityStay informed of current market trends, loan programs, credit union policies and procedures and all regulatory requirements as it relates to real estate lendingComply with all mortgage laws and regulationsProvide SPARK! Service Standards to all members and team members to ensure the highest level of member satisfactionComply with all federal and state laws and regulations including the Bank Secrecy Act, Patriot Act, Office of Foreign Asset Controls, FCRA, FDC and Graham Leach-Bliley.May perform other job related duties as assigned.Requirements:Qualifications, Skills and Abilities:5 or more years of Mortgage Loan Origination experience with a proven track record of achieving production resultsStrong analytical skills with the ability to make sound decisionsAbility to manage time and workload independently through organization and efficiencyAbility to adhere to internal policies as well as external policies and regulations set forth by the NCUASelf-motivation with the ability to effectively prioritize workAbility to learn new tasks, processes and change quickly and efficientlyMust be able to operate all basic office equipmentMust comply with all federal and state laws and regulations including the Bank Secrecy Act, Patriot Act, Office of Foreign Asset Controls, FCRA, FDC and Graham Leach-Bliley.Interpersonal Skills:Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.Education:Associates degree or higher preferred but not requiredMathematical SkillsAbility to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volumeExperience in Microsoft Excel calculationsReasoning AbilitiesAbility to define problems, collect data, establish facts, and draw valid conclusions.Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variablesCertifications, LicensesMust be bondable.Internal annual compliance testing requiredPhysical DemandsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Work EnvironmentThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The noise level in the work environment is usually moderateMay be required to travel for instructional/educational seminarTraveling may be required for prospectsThis job Description is not a complete statement of all duties and responsibilities comprising this position.

Keywords: Financial Plus Credit Union, Flint , Mortgage Loan Originator, Other , Flint, Michigan