Mortgage Loan Originator

Position Summary:The Outside Mortgage Loan Originator is the individual that originates first mortgage applications from internal and external lead sources focusing heavily on outside lead generation to meet or exceed closed loan production goals. The Outside Mortgage Loan Originator maximizes Telhio's visibility within the business community to achieve organizational goals. This individual will also work to expand their own network of relationships by networking with Realtors, Builders, Branches, Business Development, Business Services, Attorney's, and Investment Bankers. Responsibilities: Originates first mortgage loan applications from both internal and external sources to meet or exceed Mortgage closed loan production goals. Evaluates ratios to make preliminary recommendation based on initial information and establishes the best product for the member. Effectively communicates with all parties to the transaction throughout the loan process from origination to post closing (Member, Realtor, Title Agent, Processor, Underwriter, Closer, etc.) Meets minimum required monthly and quarterly closed loan production goals. Cultivate internal and external relationships that provide viable and consistent leads (Realtors, Builders, Branches, Business Development, Business Services and Investment). Maximizes Telhio’s visibility within the Business and Real Estates community to achieve organizational goals. Operates within compliance with all required regulations and polices including all Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) policies, procedures and regulations Stays up to date on all regulations applicable to job responsibilities. Communicates effectively with members and co-worker in a organized manner. Obtains Minimum of 20% of Closed Loan Production of Outside Referral Sources. The "face" of Telhio Credit Union mortgage department; perform all work in a manner which upholds/embodies Telhio's Core Values. Offer cross sell opportunities where appropriate (Investment Referrals, Business Development, Branch Referrals, Home Equity, Visa, Checking). Actively utilizes encompass CRM and assigns marketing campaigns consistently. Works all assigned leads and lead lists in a timely manner. Follows up with lead within 24 hours of receipt and documents outcome on monthly Mortgage pipeline report. Consistently stays involved in community networking groups and volunteerism. Required Qualifications: NMLS-Nationwide Multistate License System Upon Hire Required High School Diploma / GED Required Bachelor's Degree preferred 1-3 years Mortgage Sales Origination Knowledge of Fannie Mae and Freddie Mac & Underwriting Regulations associated Knowledge of FEMA Regulations and Requirements Knowledge of Equal Credit Opportunity Act Experience in underwriting to various “Investor Regulations” Knowledge of banking products and service offerings Experience in following MLO process and procedures Attention to detail Time Management Effective communication skills (oral and written) Active Listening Analytical and quantitative skills Ability to work in a fast-paced environment Flexibility relative to Work Schedule Willing to work overtime some weekends required. Microsoft Office Excel, Word, Outlook Telhio applicants must be able to pass a background check including: Credit, Drug Screen, Bondability, & Criminal Background Must have a valid/unexpired driver's license, some local travel required What you will earn: Competitive pay Benefits: several medical plan options, dental, free vision, free life and free disability insurance Additional financial incentive programs for employees enrolled in our insurance  6% matching and immediately vested 401(k) plan Generous schedule for paid holidays, vacation and personal time for a healthy work-life balance Opportunity for personal career growth, continued education and mentorship programs Volunteer opportunities impacting the local community  Physical Demands: The 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. This position requires sitting; some reaching; frequent standing and walking; some stooping or kneeling. The employee must occasionally lift and move up to 50 pounds. This is a Non-Collective Bargaining Unit Telhio is an Equal Opportunity Employer