Mortgage Loan Originator

3 days ago


Pensacola, Florida, United States Gulf Winds Federal Credit Union Full time
About Gulf Winds Federal Credit Union

Gulf Winds Federal Credit Union is a leading financial institution that offers innovative financial tools to its members. With a strong commitment to its members and the community, the credit union has grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000+ members across Florida, Alabama, and Georgia.

Our Values

We are guided by our core values of Integrity, Care, Growth, and Innovation. We are dedicated to our members, our community, and each other.

Integrity

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

Growth

We set ambitious goals, provide personal development opportunities, and encourage results.

Innovation

We challenge the status quo to enhance the member's experience and solve tomorrow's challenges today.

Job Description

This position contributes to the success of Gulf Winds by proactively soliciting mortgage business and selling Gulf Winds' mortgage products. Mortgage Loan Originators (MLOs) at Gulf Winds are expected to develop and maintain strong professional relationships with area realtors, builders, attorneys, and other sources of mortgage referrals.

This position is responsible for providing excellent service - responding to member and potential member inquiries and referrals that are generated from their own efforts and from other Gulf Winds' channels.

Essential Functions & Responsibilities
  1. Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine member financing objectives, advise members of product/pricing policies and guidelines, and gather any additional required information.
  2. Proactively solicits new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making outside sales calls to prospective members.
  3. Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies, and adhering to HMDA requirements.
  4. Meets mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing production, productivity, quality, and member-service standards; resolving problems.
  5. Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
Performance Measurements

MLO meets or exceeds the minimum established sales goals and actively cross-sells Gulf Winds products.

Referrals are handled expeditiously; interviews are conducted in a professional manner; all information is gathered accurately; rates and pricing are quoted accurately.

Strong relationships exist with business referral sources; referral rate is successful.

Audits and observations show all transactions and activity to be in compliance with all applicable regulations.

Surveys and feedback from business partners, prospects, and members show that MLO is providing consistently excellent service and follow-up.

Knowledge and Skills

This position requires:

  • Two to three years of similar or related experience.
  • Must pass requirements for registration with NMLS.
  • A high school education or GED.
  • Strong written and verbal communications skills.
  • Teamwork and customer service skills a must.
  • Self-motivated and highly organized.
  • Ability to prioritize multiple competing tasks.
  • Strong computer skills, including MS applications and previous experience utilizing laptop technology for communication purposes, including accessing rate, credit, and loan status information.
  • Solid time management skills and the ability to organize, prioritize, and perform multiple tasks simultaneously.
  • Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
  • Ability to analyze and comprehend complex financial data and provide financial alternatives.


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