Mortgage Loan Originator - FT
Veridian CUEden Prairie, MN, United States1 day ago
Job type
- Full-time
Job descriptionKnowledgeable of and adheres to Mortgage Loan origination process including relevant laws and regulations. Knowledgeable of Veridian policies and procedures by loan program, mortgage insurance and investor guidelines. Interview members applying for mortgage loans and assist them with selecting the appropriate loan program. Issue prequalification or preapproval letters on pre-purchases. Complete the loan application and communicate all initial disclosures to the applicant. Clearly explain disclosures, rates, fees and expected timeline to members. Obtain credit report, income, asset, and other necessary documents to pass a complete loan file to processing / underwriting. Scan and upload these documents to Veridian's loan origination system. Calculate monthly income and resulting debt to income ratio, including completion of self-employed borrower income analysis. Recommend loans for approval by forwarding to processing / underwriting, or complete the adverse action / turn-down process. Obtain rate locks or pricing commitments with investors. Monitor loan pricing and update pricing / fees when necessary to extend rate locks or based on changes to loan level pricing adjustments. Obtain mortgage insurance premium quotes based on loan parameters to accurately disclose this expense to members Provide members with updated disclosures when required and document applicable change in circumstance. Communicate regularly with members on their mortgage loan, including updates on appraised values, outstanding conditions or stipulations, timing of closing, etc. Cultivate and maintain relationships with realtors by communicating updates on loans in progress and attending real estate-related functions. Actively sell products and services offered by the credit union including deposit products, insurance, consumer loans, and investments, to help the member meet their financial goals. Communicate final loan numbers from the settlement statement with members prior to closing to inform the member of final figures and amount to bring to closing. Work with members to resolve questions / concerns after loan closing. Ability, availability, and willingness to work flexible hours to accommodate loan volume during periods of peak demand. Oral and written communication skills. Member service focus. Attention to detail and accuracy. Positive attitude that supports a team environment. Dependable and punctual; flexible during peak times. High level of confidentiality. Organizational skills. Self-motivated; ability to work without close supervision. Problem solving; analysis. Occasionally lift and / or move items over 10 pounds. Remain sedentary (seated) for extended periods of time. High School Diploma. 4+ years of lending experience with proven sales success and top producer results. Proficiency in Microsoft Outlook, Word, and Excel. Nationwide Mortgage Licensing System ID number. First mortgage origination experience.
This is a hybrid position that requires individual to work 2 days a week from our location in Eden Prairie, MN.
WANT TO BE A PART OF AN AWARD WINNING TEAM, APPLY TODAY!!
Take a look at all our great benefits here!
Application deadline : October 31st, 2025
Location : Shady Oak, Eden Prairie - MN
Hybrid or Onsite : Hybrid Eligible
Base Pay + Opportunity to earn commission based on production
- In addition if you are selected and accept the position please visit Internal Transfers and Promotions for more information regarding compensation.
Summary
The primary responsibilities of the Mortgage Loan Originator include consulting members on products, taking complete applications, providing initial disclosures, and cross-selling Veridian products. The Mortgage Loan Originator is responsible for producing mortgage loans through relationships with realtors and other referral sources.
Essential Functions
Key Attributes
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 :
Working Conditions
This job operates in a professional office environment and routinely uses standard office equipment.
Travel
Extensive travel; valid driver's license required.
Required Education and Experience
Preferred Education and Experience
Other Duties
Veridian Credit Union is a PCI compliant financial institution to ensure the security of member information. As such, all employees are expected to ensure security measures are in place and adhered to regarding PCI and other highly secure data compliance requirements.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
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Mortgage Loan Originator • Eden Prairie, MN, United States
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