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Mortgage Loan Originator
3 weeks ago
Job Type
Full-time
Description
Summary
Responsible for origination of Conventional and FHA First Mortgages along with Second Mortgages, Home Equity Lines of Credit, and Unimproved Land Loans through established networks of self-generated business. Conducts initial pre-qualification interviews via phone or in person. Conveys policies for extension of credit in accordance with Credit Union and secondary market guidelines. Support the credit union's mission, vision, strategic goals, quality initiatives, and service standards. Support and /or provide exceptional internal and external member service.
Essential Functions
1. Originates and closes self-generated loans via various networking strategies such as, but not limited to; visiting realtor offices, title companies, realtor tours, professional events, seminars, conventions, etc. Markets the credit union's products and services to external sources for the purpose of increasing loan volume to meet or exceed monthly goals.
2. Assist members who are purchasing or refinancing a home, or obtaining a second mortgage, home equity line of credit or unimproved land loan. Responsible for assisting the member to determine the proper loan program and completing the loan application. Gathers and analyzes the necessary paperwork including pay stubs, tax returns and bank statements, to begin the loan process. Responsible for obtaining and analyzing credit bureau reports.
3. Maintains an up-to-date loan pipeline. Respond to mortgage referrals within 24-48 hours of receipt. Responsible for disclosing loan terms within 3 days of the application. Analyze and follow all FNMA desktop underwriting conditions. Performs follow-up work as necessary to achieve conditional approvals. Turn file over to the Mortgage Assistant within 48 hours.
4. Counsels members on money matters, debt ratio, credit reports, and loan alternatives. Resolves (or refers) requests and problems promptly and courteously. Answers member loan questions regarding applications in the process of approval. Assists loan processors in the gathering of additional loan documents. Sending adverse action notices to applicants who do not qualify.
Non-essential Functions
1. Other duties as assigned. May perform a variety of miscellaneous tasks including typing, filing, computer input & answering the telephone.
Expectations
1. Provide courteous & professional service by establishing positive/supportive relationships w/ int/ext members.
2. Completes reports and records promptly and accurately; reports, records all related documents are accurate and
submitted on time.
Requirements
Qualifications
Education: High school graduate or equivalent
Experience: 2 years of mortgage loan originating experience with various loan programs, proven successful track record in originating loans and meeting sales goals; established network of self-generated business. Understanding of mortgage loan originating functions, including conventional and home equity loans. Knowledge of mortgage-related regulations, procedures, and FNMA desktop underwriting criteria.
Knowledge, Skills, Abilities
FFCU complies with the SAFE Act requirements and requires that all employees and volunteers who meet the definition of an MLO (Mortgage Loan Originator - individual who takes a residential mortgage loan application and offers or negotiates terms or a residential mortgage loans) to be registered with the NMLSR (Nationwide Mortgage Licensing System and Registry). Results of criminal background checks are available with completed registration. The credit union will review completed registration (including background check results) to ensure that there is no increased risk based on the results of a completed registration. Management will determine if action is necessary based on a review by the SAFE Act Officer.
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