Mortgage Loan Originator

Position Title: Mortgage Loan Originator

Organizational Relationships: Reports to VP / Mortgage Loan Manager

Supervisory Responsibilities: N/A

General Function: Proactively solicits new residential mortgage business and cross sells additional credit union products. Identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage and construction lending opportunities. These networks may consist of Real Estate Agents, Builders, Title Companies, professional and personal contacts. Participates in business-related development opportunities and community efforts in order to help the credit union to achieve established goals. Reports to VP / Mortgage Loan Manager.

Position Functions:

• Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine member financing objectives, advise members of product/pricing, and gather any additional required information.
• Develops and maintains successful referral sources.
• Actively participates in community functions and credit union-sponsored events to promote the credit union’s objectives.
• Provides complete loan applications to fulfillment center.
• Ensures exceptional member service by overseeing the loan process from origination to closing, and conducts ongoing communication with members.
• Interview prospective borrowers regarding residential construction loans and provide prospect borrowers lending options available based on information collected.
• Experience in processing residential construction loans and ability to communicate effectively with member, contractors, appraisers, and agents in a timely manner to expedite construction loan applications.
• Achieves production goals as established by Whitefish Credit Union.
• Communicates ongoing loan activity with VP / Mortgage Loan Manager and management as requested for accurate analysis of loans in progress.
• Effectively works as member of the lending team for the benefit of Whitefish Credit Union, in support of, and in cooperation with, other lenders and support staff.
• Ensures successful completion of all assigned training activities.
• Maintain current and thorough knowledge of lending programs, policies, procedures and regulatory requirements.
• Manages a portfolio of mortgage loans, including delinquencies, renewals, refinances, modifications, and cross-sale opportunities.
• Perform other duties as assigned.

Position Requirements:

• Two years of experience in real estate lending required.
• Associates or Bachelor’s Degree in finance or banking preferred but not required.
• Ability to communicate effectively across all procedural levels required.
• Strong analytical and organizational skills required.
• Experience with mortgage loan origination system such as Mortgagebot, Ellie Mae, or FICS preferred.

This job description is to be considered a general outline of the duties and responsibilities of this position and is subject to changes and revisions by management at any time. Responsibilities are listed as guidelines only and the job is not necessarily limited to these specifications.