Mortgage Loan Originator

Overview

Under the direction of the Director of Residential Lending, the Mortgage Loan Officer is responsible for assisting members in obtaining mortgage loans and ensuring a smooth, efficient, and positive lending experience. Cross-sell applicable products and services to meet credit union goals.

Key Responsibilities

• Assess members financial situations and provide tailored mortgage solutions.
• Conduct thorough analyses of applicants' credit histories and financial backgrounds.
• Guide members through the mortgage application process, explaining terms, conditions, and legalities.
• Collaborate with real estate agents, underwriters, and other industry professionals.
• Maintain up-to-date knowledge of mortgage products, lending regulations, and market trends.
• Generate new business by developing relationships with real estate professionals, builders, attorneys, and personal networks.
• Prepare and submit mortgage applications to underwriting for approval.
• Negotiate loan terms and interest rates with applicants.
• Ensure compliance with all federal and state regulations throughout the lending process.
• Provide exceptional member service and maintain ongoing relationships with members.
• Participate in community and industry organizations and events.

Core Skill Competencies

Physical Demands

Qualifications

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.