Mortgage Loan Originator

Description

Tyndall Federal Credit Union is an established Credit Union based in Panama City, Florida with branches across the Florida Panhandle and South Alabama. We offer our employees a family-orientated work environment with numerous exciting benefits and career growth. We are looking for the next member of our #TeamTyndall family!

Our Mission: Tyndall Federal Credit Union is committed to making a meaningful difference in the lives of our members. We take pride in the great care we offer our members and employees alike!

• Our Credit Union serves more than 100,000 members.
• We believe in helping our members reach their financial goals and making dreams come true along the way!
• We believe having a diverse workforce yields greater innovation, inclusion, and creativity.
• Tyndall Federal Credit Union knows the importance of philanthropy in our communities. That’s why in addition to giving back through community service grants and sponsorship, we encourage our employees to volunteer in their community – and get paid while they’re doing it!

Benefits:

• Family First Leave- Providing 12 weeks of 100% paid bonding time to all Full Time Eligible employees.
• We offer an excellent 401(k) plan with generous employer matching.
• All employees receive 16 paid community volunteer hours.
• Full Time (up to 40 hours per week) positions also offer 11 paid holidays, paid time off, excellent health/vision/dental benefits and more!

Compensation:

• We offer a higher base salary, complemented by commissioned based earnings, providing a competitive overall compensation package.

The Location:

Tyndall Federal Credit Union is based in Panama City, Florida. This position will be located in Mobile, AL. This position is a hybrid opportunity, and will be based out of our Hillcrest Branch.

Why Should You Apply?

Tyndall Federal Credit Union offers an exceptional employee experience that includes comprehensive benefits, a culture of appreciation, flexibility, a family-oriented atmosphere, and rewarding work.

Role:

• Creates mortgage loan opportunities and generates mortgage loans for current and prospective members by actively networking, cultivating referral sources, and building strong relationships with members, real estate professionals, and all other parties involved in the lending process. Fulfilling members’ mortgage lending needs through responsive service, trusted guidance, and ongoing relationship development. Demonstrating and upholding our Core Values and WE Standards is a fundamental responsibility of every employee and is required in all positions throughout the organization.

Essential Functions & Responsibilities:

• Reviews and evaluates information on mortgage loan documents to determine if borrower, property, and loan conditions meet credit union, agency, and investor guidelines. Matches appropriate loan product with borrower's needs. Establishes required terms and conditions of an approved loan and reviews with borrower.
• Generates mortgage loan business through relationships developed from networking and business development activities. Develops trust through communication and member service while promoting the credit union’s mortgage lending programs to companies and individuals within the real estate community. Cross-sell other credit union products and services.
• Assembles, organizes, and maintains mortgage loan files, ensuring documentation is complete, accurate, and properly recorded in the loan origination system. Maintains current loan information and status; communicates with members, real estate agents, title companies, processors, and underwriters; monitors loan progress and outstanding items to support timely closings; and, as needed, performs processing duties for mortgage loan applications originated by other loan originators.
• Remains informed of current trends and market factors affecting mortgage lending.
• Ensure compliance with all regulatory programs including but not limited to the Bank Secrecy Act, Office of Foreign Asset Control Program and Customer Identification Program. Assist other department personnel and perform other duties as assigned. Remote employees must adhere to their agreed-upon work schedule from a secure location, participating in virtual meetings, video conferences/other communications, and maintaining regular, responsive communication during working hours.

Performance Measurements:

1. Produce assigned loan volume within established guidelines.
2. Originate loans in and out of the office at borrower or other party's convenience.
3. Ensure that all approved loans comply with established loan standards.
4. Ensure all applications are handled in a timely manner and are in compliance with Federal regulations, secondary market guidelines, and credit union established policies and procedures.
5. Meet with realtor and builder offices within established guidelines.
6. Remain in constant contact with all involved parties throughout and after the loan process.
7. Maintain a professional, courteous, and friendly atmosphere for members and co-workers.
8. Ensure that each inquiring party receives a loan application packet with contact information.
9. Completes required annual BSA/AML training with a passing grade of 80% or higher.
10. Completes required Red Flags Program requirements to include documentation of discrepancy resolution as needed.
11. Must pass registration based on the SAFE Act requirements or already be registered.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Requirements

Experience:

• Three years to five years of similar or related experience.

Education:

• (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

Interpersonal Skills:

• Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills:

• In-depth knowledge of the secondary market and experience with first and second mortgage residential real estate lending. Ability to type, use computer and general office equipment including 10-key calculator. Requires basic to intermediate knowledge of Microsoft Windows, Word, Outlook and Excel and ability to navigate the Internet. Strong analytical and decision making skills.

Physical Requirements:

• While performing the duties of this job, the employee is regularly required to use hands, and is required to talk and hear. The employee is frequently required to stand, sit, and walk occasionally for long periods at a time. The employee may occasionally be required to reach with hands and arms and move objects up to 20 pounds. Specific vision abilities required by this job include close vision, peripheral vision, and ability to adjust focus. In addition, abilities for assessing the accuracy, neatness and thoroughness of the work assigned is required.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment:

• Maintain a professional, business-appropriate appearance in accordance with the credit union’s dress code.
• This position is eligible for remote or hybrid work. Must minimize home office distractions and comply with applicable organizational policies.
• Tyndall Federal Credit Union is an Equal Opportunity Employer. As an equal opportunity employer, Tyndall Federal Credit Union does not discriminate against any employee or candidate on the basis of age, race, gender identity, gender expression, genetic information, national origin, physical or mental disability, protected veteran status, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by all applicable federal, state, and local laws.

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