Jr Mortgage Loan Originator

1 month ago

Allen, United States Credit Union Texas Full time

Support Senior Loan Officers with lead management while working to obtain a Mortgage Loan Originator (MLO) license and sponsorship.

Through training and coursework, show an aptitude for mortgage lending sales, product comprehension, compliance and guideline retention.Complete the 20 hour SAFE Mortgage Loan Originator course and pass the SAFE Mortgage Loan Originator exam. Meet background requirements for license sponsorship.

Major Duties and Essential Functions

Senior LO lead management support:

•Follow up with mortgage loan applicants to obtain commitment to move forward with financing.

•Follow up on loans in process for executed disclosures needed to progress the loans into processing.

•Follow up with purchase pre-approvals progress, as the client searches for their new home; and pass on any loan amount adjustments to the Senior Loan Officer.

Training and Coursework

•Attend and complete the required 20 hour SAFE course required to qualify for the exam.

•Attend mortgage sales and product training.

•Shadow with Senior MLO's on daily operations.

•Licensing and Sponsorship:

•Take and pass the SAFE Mortgage Loan Originator Exam.

•Meet Sponsorship requirements (via background check) for Texas

Positions directly supervised:Yes

Specific knowledge, skills, and abilities required for this position:

To perform this job successfully, an individual must be able to perform each essential duty and responsibility with a high level of success. The requirements listed below are representative of the knowledge, skill and/or ability required.

  • Excellent customer service and relationship building skills.
  • Strong work ethic
  • Self-motivated
  • Aptitude for learning (sales techniques, compliance and lending guidelines)
  • Strong analytical skills and decision-making ability (make lending decisions and translate guidelines).
  • Strong organizational and time management skills.
  • Ability to manage multiple priorities and meet deadlines in a fast paced, high volume, sometimes stressful work environment while maintaining a positive
  • Ability to work independently and as a team.
  • Excellent negotiating and problem-solving skills.
  • Proficient in Microsoft Office products (Word, Excel, Outlook).
  • Strong basic math proficiency
Education and Experience:
  • Accredited Bachelor's degree or some college (preferred)
  • 1 Year sales experience (preferred)
LICENSES
  • Must pass the SAFE Mortgage Loan Originator Exam and have the ability to obtain a NMLS license within two weeks of employment. Must not be on an agency watch list or banned list to include but not limited to HUD, FNMA, FHMC or NCUA


Physical Activities and Requirements of this Position

CATEGORY

DESCRIPTION

Finger Dexterity

Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Grasping

Using fingers and palm on an object.

Talking

Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Repetitive Motions

Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Hearing

Able to hear average or normal conversations and receive ordinary information.

Average Visual Abilities

Average, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery.

Sedentary Work

While performing the duties of this job, the employee will frequently talk or hear, sit, use hands to handle or feel, and reach with hands or arms.The employee will occasionally, stand and walk, climb or balance, and stoup, kneel, crouch, or crawl.The employee will occasionally lift and move up to 10 pounds.

Working Conditions of this Position

DESCRIPTION

None.No hazardous or significantly unpleasant conditions.

Mental Activities and Requirements of this Position

Reasoning Ability:The ability to use common sense or logic.

Detailed

Ability 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 variables.

Mathematical Ability:The level of ability required to perform math skills and operations.

Basic

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages and income.

Language Ability:The level of ability required to communicate and understand written and oral language.

Typical

Read at a fast-paced rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation.Ability to write moderate to complex documents.Ability to communicate in complex sentences, using normal word order with present and past tenses and strong vocabulary. Ability to read, analyze, and interpret common financial reports, and legal documents.Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to effectively present information to top management, public groups, and/or boards of directors.

Compliance requirement

The responsibilities contained within this job description remains compliant with Bank Secrecy Act / Anti-Money Laundering, Office of Foreign Assets Control and USA PATRIOT Act as they apply to the duties of the position.

Disclaimer

The information in this job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job, which may vary on the department or the assignment. The actual essential duties, responsibilities and qualifications may vary by department, reporting structure and other business needs. No inference should be drawn that a specific job duty, responsibility or qualification is non-essential by its absence from this description.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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