Mortgage Originator- Remote

Full Time Clerical 33 Franklin St 2nd fl Nashua -Mortgages, Nashua, NH, US

3 days ago Requisition ID: 1758

Role

To approve or deny mortgage loans, following Credit Union lending standards. Analyze applications and perform comprehensive audits for accuracy of mortgage loan files.

Essential Functions & Responsibilities

Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process on each mortgage application as presented and make loan recommendations. Ensure Triangle Credit Union lending standards and policies are always followed.

Ensure that the content and conduct of our loan originations, processing and servicing activities remain compliant and consistent with all state and federal regulations.

Maintain current and professional knowledge of all loan products and their current terms, conditions and all applicable underwriting guidelines.

Communicate any questions or concerns to the manager of the mortgage department.

Perform mortgage servicing duties to include tax, insurance escrow, rate change analysis, and flood insurance when they become due; responsible for the timely reporting and reconciliation of all secondary market accounting (custodial accounts, general ledger accounts and monthly reconciliation). Maintain loan portfolio.

Apply internal guidelines and ensure guidelines for the credit decision process. Perform comprehensive loan audits on all loan applications in process prior to closing to ensure procedures are being followed and documentation is correct. Perform the final closed loan audits for all mortgage loans that have closed to ensure completeness, accuracy and compliance.

Back up member of the credit committee; underwriting loan applications and rendering independent lending determinations, recommendations and decisions about the soundness of applications submitted to TCU and whether the credit union should approve or decline those mortgage applications.

Assist the VP of mortgage lending with various responsibilities that may be assigned from time to time including but not limited to working on special projects, reporting and proactively volunteering, making suggestions or recommendations that may improve business and/or operations of the mortgage department.

Assist as a backup to Mortgage processor and Mortgage closer as needed; process payoffs and discharges.

Complete all required compliance training and comply with all regulations which apply within the scope of the position.

Perform other job related duties, as assigned.

Knowledge and Skills

Experience: One year (1) to three (3) years of similar or related experience.

Freddie Mac (FHLMC) and Fannie Mae (FNMA) knowledge is a bonus.

Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree.

Interpersonal skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Fostering sound relationships with other entities (companies and/or individuals) requires the ability to influence and/or sell ideas or services to others.

Other skills: Working knowledge of the mortgage industry, specifically federal and state regulatory requirements; exceptional time management, attention to detail, strong member service skills and communication skills.

Physical requirements: lift up to 25 pounds.

Work environment: Onsite office environment; possible remote work from home hybrid.

Equal Opportunity Statement

Triangle Credit Union is proud to be an affirmative action/equal opportunity employer. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process or are limited to use the online application process, you may contact the Human Resources Department at View phone number on click.appcast.io for other options to apply.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

#J-18808-Ljbffr