Mortgage Loan Originator

4 weeks ago

Watertown, Massachusetts, United States Northern Credit Union Full time
Mortgage Loan Originator Job Description

Compensation:

Northern Credit Union offers a competitive salary range of $80,000 to $140,000 per year, based on performance and productivity against compensation plan parameters.

During the onboarding phase, individuals with less than 5 years of experience will receive $1,000/week for 4 to 6 months plus commission.

They will have an option to transition to a full commission compensation structure as early as 4 months, but no later than 6.

Individuals with over 5 years of experience will receive $1,500/week for 4 months plus commission, and then will transition to a commission only compensation structure.

Position Objective:

The Home Lending Professional (Mortgage Loan Originator) is responsible for generating and increasing the mortgage loan portfolio by developing business contacts within the community, specifically the real estate community.

A Home Lending Professional builds viable business partnerships by exercising initiative in proactively making sales visits and calls to prospective members, realtor brokers and a host of other, applicable mortgage industry professionals.

It's expected that sixty percent or more of the Home Lending Professional's time will normally be committed to engaging in external sales activities.

Essential Job Functions:

Proactively serves as a role model and demonstrates individual commitment to Northern's Ownership philosophy by:

  • Exhibiting high energy, a positive attitude, creativity, and passion for member service.
  • Maintaining an active, positive, professional image and reputation for Northern in the community while spreading the Ownership philosophy internally and externally.
  • Engaging in the recommendation, research, development, and implementation of enhancements to further promote Northern's Culture and the Standard of Excellence for Member Service.
  • Keeping open communication alive by inspiring owner participation on teams, listening to owner ideas, holding meetings, and publishing regular announcements.

Solicit and generate residential mortgages with an entrepreneurial sense by developing and maintaining relationships through various sources.

Realtors offices and open-houses

Builders offices and building sites

Mortgage industry professionals

Past borrowers

Other non-traditional sources

Constantly and consistently provide realtors and builders with one-on-one or group presentations and education on:

  • Mortgage programs
  • Rates
  • Guidelines

Provide exceptional member service by identifying appropriate mortgage loan programs to meet borrower needs.

Maintain an active relationship with mortgage borrowers through the application process, with consistent follow-up.

Responsible for achieving individual sales goals through all channels.

Attract new mortgage loan applications by making sales calls to prospective borrowers to build a solid book of business.

Actively participate in and assist with Credit Union seminars and community events.

Work with AVP of Residential Lending to maintain an open and active relationship with the Credit Union's third-party mortgage partner(s).

Proactively cross-sells all Credit Union products and services to qualified members and potential members and refer to the appropriate employees as necessary.

Other Job Functions:

Flexible hours including evenings, Saturdays, and Sundays as necessary to meet established goals.

Stays informed and up to date of local, regional, and national market to enhance the Credit Union's Mortgage programs.

Product enhancements

Pricing changes

Delivery options

Work with AVP of Residential Lending in coordinating efforts with the Marketing on implementing special product promotions in order to maximize return on investment.

Promotes teamwork within the Credit Union. Actively seeks solutions to issues related to member and staff

informed of changes in credit union regulations, policies, and procedures.

Identify and participate in educational programs, schools and/or conferences to continually develop a greater knowledge and expertise in mortgage lending and customer service.

Actively participate in other credit union duties, functions, committees, and events as may be reasonably requested.

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