Mortgage Loan Originator
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Job Description
Mortgage Loan Originator developing residential mortgage business for a Lynchburg credit union. Advising members, originating loans, and building referral partnerships while ensuring regulatory compliance.
Responsibilities:
- Develop and originate residential mortgage loan business through member referrals, business development activities, community involvement, and strategic referral partnerships
- Consult and counsel members to evaluate financing needs and recommend appropriate mortgage solutions
- Guide borrowers through the mortgage process and deliver an exceptional member experience while ensuring regulatory and secondary market compliance
- Originate and submit loans for processing and decision within established timelines and communicate disposition to members
- Develop and maintain referral relationships with real estate professionals, builders, financial advisors, attorneys, employers, and community organizations
- Represent the Credit Union at networking events, educational seminars, homebuyer workshops, and community outreach activities
- Evaluate mortgage loan acceptability against secondary mortgage requirements
- Cross-sell other credit union services
- Keep informed of current mortgage lending trends and market factors
- Perform other related duties as assigned
- Comply with government and other regulations affecting the credit union industry, including OFAC and the Bank Secrecy Act
- Meet or exceed performance expectations described in essential functions and responsibilities
Requirements:
- Three years to five years of similar or related experience
- A two-year college degree, or completion of a specialized certification or licensing, or completion of specialized training courses conducted by vendors, or job-specific skills acquired through an apprenticeship program
- Must be registered on the Nationwide Mortgage Licensing System (NMLS) and registry as a condition of employment
- Knowledge of the secondary market and experience with first and second mortgage residential real estate lending
- Good communication skills
- Skill and ability to use and operate a keyboard, computer/laptop, calculator, copier/scanner, and telephone
- Skill and ability to read and understand financial statements, contracts, applications, computer printouts, manuals, and related materials
- Proficiency in mortgage loan origination systems (LOS), CRM platforms, Microsoft 365 applications, video conferencing technology, electronic signature platforms, and digital document management systems
- Ability to occasionally lift and/or move up to 20 pounds
Benefits:
- Eligible for remote work
- Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions
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