Mortgage Loan Originator

Overview Hudson Valley Credit Union is currently recruiting for the position of Mortgage Loan Originator. Primary Function: sales position responsible for presenting and selling specific mortgage loan programs to members and potential members that are appropriate for their individual financial circumstances. This position assists in completing the process of obtaining a mortgage loan in accordance with Credit Union and regulatory guidelines. The Mortgage Loan Officer will be responsible for developing new business opportunities through networking, such as realtor relations, meet or exceed established member service levels, loan quality and loan production goals. Responsibilities Responsible for the development and maintenance of external relationships for referral sources within the community including, but not limited to, realtors, builders and other affinity groups. Utilize various techniques including cold-calling, letter writing and group presentations. Attend functions relative to the position to build rapport within the community. Provide excellent member service by responding to and following up on customer inquiries and leads from all sources based on HVCU’s service agreement. Responsible for managing a flexible work schedule, which allows for meeting members and potential members, as well as, networking and other relevant events. Recommend Credit Union mortgage loan products to members that would best serve them, advising them of the risks and benefits of the loan alternatives, including options and variables involved. Maintain superior knowledge of the variety of mortgage loan products and services offered and attend meetings and training programs as required by the Credit Union in order to maintain this level of experience and knowledge. Collect and analyze member’s financial information and assess their financial circumstances to determine whether the member and the property qualify for a particular loan; this includes member’s income, assets, investments, debts, credit history as well as characteristics of the property and other pertinent information. Follow up with members as necessary to obtain required documentation. Provide assistance as required to the Processing and/or Underwriting areas in order to ensure a quality loan decision. Based on member need, identify opportunities for referral to other Credit Union products and services including, but not limited to, Hudson Valley Credit Union Insurance Services, HVCU Financial Services, HVCU Business Services and HVCU branch services. Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned. Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. Responsible for regular and predictable attendance including punctuality. Qualifications Associate’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience required Bachelor’s Degree preferred Registration with the National Mortgage Licensing System and Registry (NMLS) required Valid driver’s license required Minimum 2 Years Experience in financial services experience required Why Choose HVCU? Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive, community-focused culture, competitive benefits, and opportunities to grow your career while making a meaningful impact. Come be part of a Great Place to Work! Employee Perks: Base & Variable Pay Structures Paid Personal, Holiday & Volunteer Time Off Professional Development & Training Student Loan Repayment & Tuition Reimbursement Programs Medical, Dental & Vision Coverage 401(k) With Employer Match & Non-Elective Employer Contribution Life, Short-term & Long-term Disability Insurance Discounted Loan Rates & Fees Hudson Valley Federal Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. #J-18808-Ljbffr