Mortgage Loan Originator

Heritage Family Credit Union • Hoosick Falls, NY • 6h ago

This job was posted by https://www.vermontjoblink.com : For more information, please see: https://www.vermontjoblink.com/jobs/1343147

Who We\'re Looking For:

We are looking for a driven member-focused Mortgage Loan Originator to join our team. The ideal candidate will:

Have excellent organizational, communication, and business writing

skills to clearly and effectively serve our members

Demonstrate strong analytical abilities and sound judgment when

evaluating loan applications and financial information

Be actively registered as a Mortgage Loan Originator (MLO) with the

Nationwide Multistate Licensing System (NMLS)

What You\'ll Be Doing:

Originate and develop a variety of residential mortgage loans, home

equity loans, and lines of credit

Build strong relationships with realtors, contractors, community

partners, and other referral sources to grow mortgage business.

Receive and manage branch referrals while independently generating

new business through outreach efforts.

Represent and promote the Credit Union difference, while identifying

opportunities to connect members with additional products.

Why Join Us:

Heritage Family Credit Union is a dynamic and member-centric

organization committed to making a positive impact on the lives of our members. We believe in delivering not just financial services but fostering meaningful relationships that enhance the overall well-being of our members and communities. With a focus on education, integrity, and community, we strive to be the preferred financial partner for our community.

Benefits Include:

Paid time off in addition to paid federal holidays

Medical, dental, and vision benefits to employees who regularly

work 24+ hours a week

401k match

Ongoing training opportunities

8 hours of volunteer time with an organization important to you

Reimbursement each month for Gym membership (up to \$25), hobby

reimbursement (up to \$25) and fresh local foods (up to \$25 on a seasonal basis)

Salary: \$40,000 base pay

Additional Salary: May be eligible for variable based incentive pay up to \$20,000 monthly

The Mortgage Loan Originator solicits and develops a wide variety of residential mortgage loans, home equity loans, and home equity lines of credit, etc. operating under moderate credit authority. This role may receive assigned branch internal referrals as well as expected to spend most of the time on relationship building activities, working with realtors, contractors, community partners, and other mortgage referral sources. The Mortgage Loan Originator successfully communicates the credit union difference, the mortgage process, and sets realistic expectations for members throughout the process while promoting other credit union products and services.

Essential Functions:

Assume responsibility for establishing and maintaining effective and

professional business relations with members, realtors, attorneys, and building professionals.

Develop strategies to build a loan pipeline through member

interactions, seminars, and building relationships with community partners (realtors, contractors, attorneys and other institutions).Attendance at community events and functions in assigned territories is expected as well as service on a board or committee within your assigned territory.

Conduct the loan interview, securing member information and

documentation necessary to initiate a loan transaction. Assist borrowers with the loan application process.Discuss loan options, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members.Maintain clear and frequent communication with all essential parties throughout the loanprocess, following communication guidelines determined by management to ensure prompt member response.

Clear knowledge and understanding of UDAAP, TRID, Reg. Z, TILA,

ECOA, RESPA laws and regulations.

Recommend approval or deny real-estate loan applications, and

counselmembers whose loan requests were denied, explaining reasons and alternatives.

Meet scheduling and documentation requirements, and production

expectations as determined by management.

Ensure that the credit union achieves assigned loan production

goals, with an emphasis on real estate lending growth.

Maintain contacts and good working relationships with real estate

brokers, attorneys, builders and other referral sources to assure a favorable image of the organization and to provide information regarding current loan policies and procedures.

Must maintain predictable and reliable attendance.

All other duties as assigned.

Qualifications:

Education:

oHighschool diploma or equivalent required.

oAssociates degree or completion of a specialized course at a business/trade school preferred.

Experience:

o2-5 years of similar or related exp

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