Mortgage Loan Originator

When joining Elevations, you can expect to work for a company with:

• A leadership team that strives to make this the best place you've ever worked!
• A focus on supporting our employees' mental, physical, and financial well-being
• A commitment to diversity, equity, and inclusion recognized by the Denver Business Journal and Colorado Association of Realtors
• A highly engaged workforce devoted to innovation, continuous improvement, and collaboration
• A reputation for excellence, as evidenced by being a two-time recipient of the Malcolm Baldrige National Quality Award
• A passion for consistently providing amazing experiences and creating raving fans

If you join our team, here are some of the perks you can expect:

• Highly competitive commission-based pay structure (with no cap!)
• 6 weeks fully paid parental leave
• Paid board affiliations and memberships
• Personalized onboarding through our Mortgage Sales Concierge
• In-house underwriters and closers
• Dedicated marketing support from our business development team and a mortgage CRM (Jungo and Bombomb)
• Access to over 300 Colorado real estate events, seminars, and activities that we attend, sponsor, or host each year
• Relationship processing - a unique team approach to efficiently processing loans
• Ample opportunity to learn, develop and grow with access to LinkedIn Learning, career and leadership development programs, job shadowing, a mentor program, and tuition reimbursement up to $5,250/year

Summary/Objective:

Originates mortgage loans in an assigned territory; develops referral relationships with realtors, builders, bankers, and other sources in order to proactively solicit business and conduct sales-related activities, in order to meet specific loan volume origination goals. Counsels customers, takes applications, conducts preliminary underwriting reviews, and submits loan applications to processing and underwriting for approval using laptop technology. Remains front line contact with customers and realtors to ensure that documents required for processing, underwriting, and closing are secured in a timely manner. The salary for this position is 100% commission.
Essential Functions include:

• Interviews and assists members. Inputs loan applications into on-line loan system. Monitors on-line queue of member originated loans. Reviews files for completeness and accuracy. Communicates with loan processor/closer regarding any outstanding items and/or additional documentation needed. Requests additional information. Communicates terms and conditions of an approved loan and reviews with member. Delivers Good Faith Estimate/ TIL disclosures within 72 hours of application date.
• Assists with processing and loan closing coordination with member.
• Cross-sells other credit union services.
• Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.
• Adheres to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA).

Reports to:

Mortgage Sales Manager
Manages:

This role does not have supervisory responsibility
Required Education and Experience:

• Equivalent to a two-year college degree or completion of a specialized course of study at a business or trade school
• Minimum of two years' experience in Mortgage Loan Officer role in similar organization

Preferred Education and Experience:

Experience with FNMA Desktop Underwriter, FHLMC, FHA, and VA, PC Lender and Mortgage processing systems desired.
Work Environment:

Elevations uses multi-factor authentication to keep our data safe. As such, a personal smart phone is a requirement for employment with us. This job operates in an office setting and routinely uses standard office equipment.
Physical Requirements:

Sitting frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10 lbs of force occasionally to lift, carry, push, pull, or move objects.
Position Type/Expected Hours of Work:

Full time / 40 hours per week
Classification:

Exempt
Location:

Fort Collins Oldtown branch
Compensation:

Unlimited earning potential based on performance and production.
Other Duties:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.


About Us: Elevations Credit Union is a member-owned not-for-profit financial institution serving Colorado's Front Range. Founded in 1952, we've grown from 12 members and less than $100 in assets to an institution with 15 branches and more than 170,000 members that manages over $3 billion in assets and is the No. 1 credit union mortgage lender in Colorado. At Elevations, we've made a commitment to move away from a product-centered business model and focus instead on creating consumer solutions. Our objective is to provide our members, as well as the entire community, with unbiased consumer information.

EEO Statement: The Credit Union is dedicated to the principles of equal employment opportunity. We prohibit unlawful discrimination against applicants or employees on the basis of age 40 and over, race (including traits historically associated with race, such as hair texture and length, protective hairstyles), sex, sexual orientation, gender identity, gender expression, color, religion, creed, national origin, ancestry, disability, military status, genetic information, marital status, or any other status protected by applicable state or local law.

Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such a report will not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.

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