Bilingual Commissioned Licensed Mortgage Loan Originator

Job Description

Job Description

At Apple Federal Credit Union, we’re more than a financial institution; we’re a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we’re committed to improving the lives of our members and the communities we serve.

We believe our employees are our greatest asset. That’s why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you’re just starting out or advancing your career, you’ll find opportunities for professional development, mentorship and meaningful impact.

Why Work at Apple FCU

• Recognized as a USA Top Workplace (2025) and Top Workplace by The Washington Post (2025)
• Collaborative, welcoming environment with forward-thinking leadership
• Competitive, comprehensive benefits package, including:
  • Medical, dental and vision coverage
  • 401(k) with employer match
  • Paid time off and 11 paid federal holidays
  • Paid volunteer time to give back

ROLE:

Under general supervision, but following established policies and procedures, is responsible for generating referral business, leads, and relationships with individuals, existing members, and real estate professionals. Gathers all initial documentation required based upon the applicant's selected loan program. Provides the loan package to the loan processor for review, stacking, and pre-submission audit. Works with the applicant and loan processor to provide any letters of explanation, or additional documentation as necessary and required by underwriting to clear all conditions and close each loan.

DUTIES & RESPONSIBILITIES:

• Originates first and second mortgage loans. Utilizes established personal network within the local mortgage, banking, and credit union industry to increase market share. Identifies referral sources and collaborate with all internal stakeholders to increase the Credit Union's presence and competitive status by expanding existing business relationships and servicing members (increase wallet share). Develops a book of business through prospecting while also servicing assigned Credit Union Branch's clientele.
• Systematically make calls on real estate offices, subdivision sales offices, custom builders, officers of home owners associations, contractors and other potential referral sources to develop borrower leads; distribute rate sheets to real estate offices, subdivision sales offices, custom builders, and officers of home owners associations, contractors and other potential sources. Helps the Mortgage Originations Manager to monitor marketplace competition and trends in order to incorporate them as appropriate into the sales strategy.
• Meets with prospective clients in person at branch locations during branch hours or via video meetings. May contact applicants by telephone, mail, or e-mail as an adjunct to in-person contacts; Quotes rates and points to applicants; Explains funding procedures and review payment schedule ensuring applicant understands repayment obligations.
• Initiates, promotes, and actively participates in, promotional and sales activities, open houses, and social functions for the purpose of originating new mortgage loans.
• Originates and participates in presentations to educate audiences on mortgage and equity products, rates, and fees.
• Achieves production goals as established by Apple Federal Credit Union.
• Obtains credit information and other necessary documentation for the loan sales initiated or negotiated during outside sales activities. Assure proper procedures are followed for pre-qualifying applicants.
• Verifies applications for completeness, conduct credit investigations, determine credit worthiness and debt ratio documentation for the loan sales initiated or negotiated during outside sales activities.
• Develops, tracks, and provides lead activity and loan production reports to the Mortgage Originations Manager as directed.

EDUCATION & EXPERIENCE:

• HS diploma or equivalent.
• Ability to read, write, and speak both Spanish and English fluently.
• Obtain and maintain a valid license number through the NMLS as required by the SAFE Act.
• Minimum three-five years mortgage originating experience with a proven track record of success in the mortgage lending industry required.

*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace.

As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.

All selected candidates will be subject to credit and background checks to determine employment eligibility. ***