Mortgage Loan Originator

Mortgage Loan Originator

Reports to: Mortgage Origination Manager

Supervises: None

Status: Non-Exempt

Objective

The Mortgage Loan Originator is a results-driven position responsible for performing a broad variety of member focused sales and service-related activities related to mortgage lending that helps enrich the financial lives of our member. This high-contact sales position requires the ability to deal effectively with members and other KEMBA Associates in person, by telephone and in writing.

Duties and Responsibilities

Develops new and existing mortgage business

Actively promotes the Credit Union's full line of products and financial services in person, over the phone and electronically

Prepares all loan papers to submit for approval to loan underwriters or mortgage processing vendor

Ensures that all loan procedures are followed and are within the policy guidelines

Maintains awareness in the field of credit granting regarding government agencies, regulation, data processing requirements and future development; keeps up to date on changes in the mortgage loan industry and legislation that would affect mortgage lending

Works to maximize member satisfaction by providing optimum service and handles difficult member problems

Possesses a working knowledge of FNMA standards

Registers with the Nationwide Mortgage Licensing System (NMLS) as a Mortgage Loan Originator (MLO) and maintains and renews the registration in addition to completing related compliance training as directed by KEMBA

Keeps abreast of changes to mortgage loans from mortgage processing vendors, acts as liaison between members and mortgage processing vendor

Works with other mortgage lending institutions and title companies on behalf of member

Performs all duties in a manner that is fully compliant with applicable industry regulations as well as KEMBA policy and procedures

Develops an understanding of Credit Union history, philosophy, organization, policies, and operational procedures

On a self-direct basis, continues to improve individual level of competency through training and certification on established educational programs

Relates to others beyond giving and receiving instructions:

Communicates with coworkers or peers without exhibiting behavioral extremes

Performs work activities requiring negotiating, instructing, supervising, persuading, or speaking with others

Responds appropriately to feedback

Performs other duties as required by management

Required Qualifications

College degree or combination of equivalent education and experience preferred

Preferred minimum of one year or more experience in mortgage lending

Knowledge of lending products/regulations

Demonstrated sound lending judgment

Ability to work in a fast-paced environment

Ability to manage multiple tasks

Strong organizational skills and attention to detail

Must value a high degree of accuracy

Professional demeanor

Effective communication skills

Basic PC skills (Windows)

Basic math skills

Assertive problem-solving skills

Ability to work well independently or as part of a team

Physical Demands

The physical demands listed below represent those necessary to perform the essential functions of this role. Reasonable accommodation may be provided to enable individuals with disabilities to perform these functions.

The employee is regularly required to sit, use their hands, reach with arms, and communicate verbally and orally. Occasional standing, walking, and lifting of objects up to 25 pounds are required. Vision requirements include close, distance vision, and focus adjustment.

Eligibility

Laptop: Yes

Remote/Hybrid Work: Yes

Cell Phone Reimbursement: No

Vehicle Reimbursement: No

Incentive(s): Yes