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