Mortgage Loan Originator

Mortgage Loan Originator

Corporate Headquarters - Chattanooga, TN 37402

Overview

Position Type Full Time Job Shift M - F 8:00 - 4:45 Category Banking

Description

In this relationship-focused role, the Mortgage Loan Originator is responsible for developing and maintaining a strong referral network, consulting with borrowers to assess their financing needs, and evaluating financial information to recommend appropriate loan products. This position plays a key role in guiding members through the mortgage process while delivering personalized solutions. The ideal candidate will reflect the credit union's core values, demonstrate a passion for serving members, and consistently strive to provide exceptional service throughout every interaction.

Essential Duties And Responsibilities:

• Establish and maintain strong relationships with clients, realtors, builders, and other referral partners; demonstrate the ability to deliver presentations and represent the credit union effectively in public and professional settings.
• Proactively generate and manage a pipeline of mortgage loan applications to meet or exceed established monthly production goals.
• Educate borrowers on available loan products, qualification criteria, regulatory requirements, and guide them through each step of the mortgage loan process.
• Collect, review, and analyze financial information to assess borrower risk and overall financial condition; prepare and submit complete loan applications, ensuring all required disclosures and supporting documentation are included.
• Remain up to date on current lending guidelines, state and federal regulations, TVFCU loan products, and evolving market trends to ensure compliance and informed decision-making.
• Collaborate with mortgage lending operations in a respectful and professional manner.
• Negotiate loan rates and terms, lock loans as appropriate, and actively manage a pipeline to ensure timely processing and maintain an acceptable pull-through rate.
• Ensure compliance with all applicable regulations and internal policies in both individual loan files and daily lending operations.
• Maintain knowledge of Credit Union regulations by completing required online courses annually.
• Proactively demonstrate the TVFCU core values of integrity, honesty, flexibility, teamwork, leadership, accountability and strong relationships in every interaction with members.
• Perform other duties as assigned.

Qualifications

Educational And Work Experience Requirements:

• Minimum of 2 years of mortgage origination experience preferred.
• High school diploma or GED at a minimum.
• Capability to plan for contingencies and anticipate problems and identify risks.
• Effectively listen and respond to customers' needs.
• Ability to effectively convey and receive ideas, information, and directions.
• Ability to demonstrate professional written and verbal communication.
• Values contributions of all team members and is effective at resolving workplace conflicts.
• Strong communication, and interpersonal skills.
• Excellent problem-solving and analytical abilities.
• Highly detail-oriented with strong organizational skills.
• Demonstrate the willingness and ability to work collaboratively and make sound decisions in a fast-paced environment.

If you are considered for an offer of employment at TVFCU, you must successfully complete a pre-employment screen that includes:

• Verification of education, employment and other pertinent data included on your employment application, and eligibility to work in the United States
• Criminal background check and drug screening
• Pre-employment credit check required

Pre-employment screening helps TVFCU provide a safe environment for our members and employees, minimize risk, and ensure federal compliance.