Mortgage Loan Originator

2 weeks ago

Monroe, Michigan, United States MCCU Full time $60,000 - $85,000 per year

TITLE: Mortgage Loan Originator
REPORTS TO: Mortgage Lending Manager
FLSA: Exempt
CATEGORY: Full Time
SEGMENT: Lending Department
PAY GRADE: Grade 9

SUMMARY
The Mortgage Loan Originator (MLO) is responsible for generating residential mortgage business through proactive outreach, relationship development, and member & referrals. Operating as a commission-based professional, the MLO represents the credit union's values while helping members achieve homeownership through tailored mortgage solutions. This role requires strong sales aptitude, excellent communication skills, and a thorough understanding of mortgage lending regulations and products.
 
CORPORATE COMPETENCIES
  1. Member Service and Value – Deliver exemplary service internally and externally in accordance with the credit union's service standards and in a professional manner that projects confidence, knowledge, and ability to provide options and solutions to meet member needs within established policies and procedures. Interactions with members provide value and generate good will and a positive image of MCCU as a trustworthy financial institution.
  2. Accountability/Accuracy/Efficiency – Maintain a superior level of attention to detail and ensure accuracy in all transactions and activities performed. Organized and thorough in completing duties and a reliable team member. Ensure established processes and procedures are complied with and are consistently executed. Display self-motivation. Accept responsibility for own actions and hold others accountable to maintain appropriate levels of performance in accordance with established policies and procedures.
  3. Team Player – Possess exceptional collaborative skills to work cross functionally with various departments and operational areas to solve problems and advance ideas and innovation. Maintain positive working relationships with all credit union team members to achieve corporate and departmental goals and objectives. Treat people with respect; keep commitments; inspire the trust of others.
  4. Decision Making – Consistently apply superior data driven decision-making techniques pertaining to job duties, inquires, approvals, and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as a tool for development. Exercise good judgement in making decisions, ensuring appropriate supervisory approvals are obtained. 
  5. Communication – Exhibit strong communication skills with all internal and external stakeholders. This includes appropriate collaboration and engagement of staff and leadership in information gathering and sharing, project management, and implementation of projects and other assignments. It also includes communication with vendors, members, and other external parties. Respond to inquiries or refer inquiries to the appropriate department of person and exhibiting the necessary follow-through with members and/or staff involved. 
 
ESSENTIAL DUTIES
 
Performance Responsibilities – Responsibilities and duties related to this function are:
  • Originate first mortgage loans by developing and maintaining relationships with members, realtors, contractors/builders, financial advisors, and other referral sources.
  • Collaborate with credit union branches and staff to identify and pursue mortgage lending opportunities.
  • Conduct initial consultations, analyze member financial information, and recommend suitable mortgage products.
  • Accurately and timely complete loan applications, disclosures, and required documentation.
  • Guide members through the mortgage process with clear communication, transparency, and excellent service.
  • Partner with processors and underwriters to ensure efficient loan processing and closings.
  • Monitor workflow to ensure deadlines are met and service expectations are exceeded.
  • Maintain strong knowledge of credit union mortgage products, rates, and underwriting guidelines.
  • Ensure compliance with all federal and state regulations.
  • Achieve or exceed individual production goals and contribute to department growth.
  • Represent the credit union at community and industry events to promote mortgage services.
 
MINIMUM REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
  • Bachelor's degree in accounting, finance, or business preferred.
  • Minimum of 3 years of work-related experience is required, with demonstrated experience in residential mortgage lending or loan origination.
  • Proven track record of self-sourced loan production and business development.
  • Excellent interpersonal, communication, and organizational skills.
  • Ability to work independently, maintaining self-motivation and accountability to meet and exceed performance goals 
  • Strong attention to detail and ability to manage multiple priorities.
  • Proficient with mortgage origination systems (LOS), CRM platforms, and Microsoft Office.
  • Through knowledge of credit union loan products and applicable policies preferred.
  • Demonstrated excellent communication and listening skills.
  • Excellent organization and time management skills.
  • Able to operate related computer applications.
  • Must be highly motivated, self-starter and work autonomously.
  • Proven success is working in a high-volume, fast paced environment.
 
ENVIRONMENT AND PHYSICAL ACTIVITY
The incumbent is in a non-confined office type setting in which he or she is free to move about at will. The position includes driving to MCCU branches which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. 
 
While performing this position, the incumbent spends time writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching.
 
The incumbent for this position may operate any of the following: telephone, cellular telephone, adding machine (calculator), scanning equipment, encoder, money counter, credit card terminal, typewriter, computer terminal, laptop computer, personal computer and related printers, or other equipment as directed.
 
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. 
 
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. 

MENTAL DEMANDS
The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, member and vendor contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

Leadership reserves the right to change this job description at any time according to business needs.
 
DATE:  August 2025

MCCU is an Equal Opportunity Employer. MCCU does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status, or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

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