Mortgage Loan Originator/Processor

Mortgage Loan Originator/ProcessorREPORTS TO: Mortgage Loan ManagerFLSA Classification: Non-ExemptCompensation: Base Salary Plus Commission IncentivesPOSITION SUMMARY The Mortgage Loan Originator/Processor is a sales-driven position responsible for originating, marketing, processing, and closing residential real estate loan products while delivering exceptional member service. This role actively develops referral relationships and generates new mortgage business through community outreach, networking, and promotion of credit union mortgage products and services. The ideal candidate will combine strong sales and relationship-building abilities with mortgage processing expertise to guide members through the loan process from application through closing. This position requires maintaining thorough knowledge of mortgage products, lending regulations, underwriting guidelines, and internal lending procedures while meeting production and service goals.Essential FunctionsReasonable accommodations may be made to enable individuals with disabilities to perform essential functions.Sales & Business DevelopmentProactively market mortgage loan products and services to current and prospective members.Develop and maintain referral business through relationships with real estate agents, builders, attorneys, financial professionals, and community organizations.Generate new loan opportunities through outbound calling, networking events, member follow-up, and community involvement.Cross-sell credit union products and services to deepen member relationships.Meet or exceed established loan production, referral, and sales goals.Promote the credit union within the community to increase mortgage lending growth and brand awareness.Maintain a pipeline of prospective and active mortgage loans through consistent follow-up and relationship management.Mortgage Origination & ProcessingAnswer member questions regarding mortgage products, rates, terms, and loan programs.Interview applicants and gather financial information to determine mortgage qualification eligibility.Process applications and verify accuracy for mortgage and second mortgage open-end and closed-end loans.Follow up with members to obtain documentation necessary for loan approval and closing.Return calls and voicemails within a 24-hour business period.Provide all required disclosures for fixed-rate and variable-rate loan products.Calculate closing costs and provide Loan Estimates and related disclosures.Verify employment, assets, liabilities, income, and other supporting documentation.Order and review credit reports to evaluate applicant creditworthiness according to lending guidelines.Approve or deny loans within delegated lending authority.Request and evaluate appraisals to ensure collateral requirements and valuation standards are met.Request flood certifications to determine flood zone status.Order title work and coordinate with attorneys, title companies, and closing agents.Obtain and verify homeowner's and flood insurance coverage when applicable.Establish repayment terms, interest schedules, and loan conditions.Prepare complete and accurate closing packages while ensuring timely loan closings.Research and resolve documentation or processing issues to ensure compliance and member satisfaction.Compliance & Risk ManagementMaintain thorough knowledge of mortgage lending regulations, compliance requirements, and credit union policies.Ensure all job functions are performed in accordance with Federal and State regulations, BSA, OFAC, SAFE Act, TRID, RESPA, and the USA Patriot Act/Customer Identification Program (CIP).Maintain accurate records and documentation throughout the lending process.Protect member confidentiality and sensitive financial information.CompetenciesTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily.Strong sales, networking, and relationship-building skillsAbility to generate referral business and self-source loan opportunitiesExcellent communication skills (oral, written, and listening)Strong member service orientation with professional appearance and positive attitudeAbility to solve problems within established policies and proceduresAbility to adapt to changing policies, procedures, and regulationsStrong organizational skills and attention to detailWorking knowledge of mortgage lending compliance and regulationsKnowledge of credit analysis, lending guidelines, and credit scoringBasic math skills including calculations involving interest, percentages, commissions, and loan figuresEducation & QualificationsHigh school diploma or equivalent requiredMinimum of two years of related mortgage lending, loan origination, loan processing, or financial institution experience preferredPrior sales, mortgage production, or business development experience strongly preferredExperience, Skills & Other RequirementsProven ability to develop business and build referral relationshipsStrong understanding of mortgage products, underwriting, and loan documentationExceptional interpersonal and customer service skillsAbility to manage multiple loans and deadlines simultaneouslyStrong accuracy and attention to detailProficient in Microsoft Word, Excel, Outlook, and PowerPointAbility to communicate effectively with members, realtors, attorneys, title companies, and internal staffCertificates, Licenses & RegistrationsMust successfully complete BSA training as requiredEmployee must be bondable (insurable)Mortgage licensing may be required depending on regulatory requirements and job dutiesWork EnvironmentReasonable accommodations may be made to enable individuals with disabilities to perform essential functions.Primarily indoor office environment with quiet to moderate noise levelOccasional work outside the office for business development and community eventsOccasional travel for training, networking, and business-related functionsOccasional evening and weekend schedules requiredPosition Type / Expected Hours of WorkThis is a full-time position. Days and hours of work are Monday through Thursday 8:00 a.m. to 5:00 p.m., Friday 8:00 a.m. to 5:30 p.m., and occasional Saturdays from 9:00 a.m. until 1:00 p.m. Saturday rotation required. Hours may change without notice.Physical DemandsWhile performing the duties of this job, the employee is regularly required to sit, stand, and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is frequently required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move 25-30 pounds.Employment RequirementsU.S. CitizenshipSuccessfully passing a background investigationBenefits Offered401(k) with employee match and profit sharingMedical, Dental, Vision, Life, STD, LTDPaid HolidaysEmployee Education Assistance Program (Tuition Reimbursement)16 Days PTO beginning accrual on day one (usable after 90 days)Employee Assistance Program (EAP)DeclarationThis job description is intended to describe the general nature and level of work being performed by employees assigned to this position. Duties, responsibilities, and activities may change at any time with or without notice. Sunbelt Federal Credit Union is an Equal Opportunity Employer.