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Senior Mortgage Originator
DESCRIPTIVE SUMMARY
Reporting to the VP Mortgage Origination, the Senior Mortgage Originator is responsible for generating qualified mortgage business by actively pursuing the opportunities through a well-developed network in the Credit Union’s lending area. The role is tasked with spending most of the time outside of the office generating sales and participating in community-based activities. All duties will be performed within the Credit Union’s policies and procedures and applicable industry laws and lending regulations.
ESSENTIAL JOB FUNCTIONS
- Through outside referral sources, develops business with realtors, builders, insurance agents, financial advisors, as well as other contacts that can refer clients to a mortgage professional.
- Originates mortgage loans, home equity loans and home equity lines of credit through direct contact with members both on-site and off-site from the Credit Union.
- Inputs data into appropriate loan origination software for mortgage loans, home equity loans, and HELOCs. Pulls credit bureau reports, performs credit analysis, and runs automated underwriting.
- Completes analysis to evaluate possible financial products, solutions, and makes product recommendations to members to best meet their needs and financial circumstances.
- Supports assigned branch/branches to generate mortgage and equity referrals by nurturing a collaborative relationship with branch staff to best serve the needs of credit union members.
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.
JOB COMPETENCIES
- Communication: The ability to effectively converse and listen to others concerning company matters. The use of proper written and grammatical skills, and the meaningful application of computer technology (e-mail, Internet, etc.).
- Ethics: The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers.
- Job Knowledge: The depth and breadth of knowledge to perform essential duties and functions of the job. Including, but not limited to an in-depth knowledge and understanding of Fannie Mae guidelines, CFPB and other regulatory agency compliance and industry standard best practices. Understanding of how individual job performance furthers organizational objectives and a willingness to update and expand skills, knowledge, and training.
- Interpersonal Skills: The ability to effectively communicate and interact with other people, both individually and in groups, including communication skills such as active listening and effective speaking as well as the ability to control and manage emotions. The overall ability to interact with members, prospective clients, retail and mortgage operations staff.
- Time Management: The ability to work independently with minimal supervision and effective use of time. The level of control/oversight of all assigned projects and responsibilities. The ability to meet deadlines and work effectively and manage an active pipeline of mortgage product files in various stages of the process.
- Attitude: The degree to which one is positive, constructive, and supportive toward customers, employees, and the company. The level of enthusiasm and commitment demonstrated in job performance.
- Adaptability: The degree to which one demonstrates openness to change and new ideas. Ability to adjust to changing work requirements and respond to new situations.
- Collegiality: The ability to contribute to a positive and productive work atmosphere through mentoring less experienced colleagues, participating on committees, promoting interdisciplinary problem solving, and sharing expertise throughout the organization.
EDUCATION/EXPERIENCE REQUIREMENTS (Education, Work Experience, Industry Knowledge)
- One (1) to five (5) years of mortgage experience.
- Proven track record with a pipeline of contacts including realtors, builders, and other referrals sources required.
- Strong math skills, computer skills, and understanding of financial transactions required.
- Nationwide Mortgage Licensing System (NMLS) to be maintained.
PHYSICAL DEMANDS
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. The position may require you to sit for long periods of time, travel to other work locations as needed; high-pressure, fast paced position.
REQUIRED COMPLIANCE TRAINING
Satisfactorily completes all required compliance training and complies with all regulations which apply within the scope of the position, including but not limited to the Bank Secrecy Act (BSA) and all regulations that fall within the BSA.
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Monday – Friday, 8:00 a.m. – 5:00 p.m., with the ability to work outside normal business hours as needed. This may include occasional evenings or weekends to support operational needs.
