**Position**

Team Leader - Loan Origination

**Job Code**-8367

req2280

Vinings

Full Time

**Job Description**

Delta Community is one of the largest and fastest growing credit unions in Georgia. Our rapid growth has created additional career opportunities within the organization. We are looking for energetic, flexible, and service oriented individuals for the following position.

The Team Leader Residential Loan Origination manages the daily operations (specific to department area) to ensure member service standards are met. This includes oversight regarding loan assignments, meeting sales and production goals, regulatory compliance, competitive mortgage products and services, prudent risk management, cost control, and the performance measurement of team members. The Team Leader should identify and recommend system improvement opportunities and ways to improve sales, individual performance, loan origination operations and cost efficiency.

Practices safety-conscious behaviors in all operational processes and procedures.

**Essential Functions:**

Provide ongoing support, coaching, and training to all team members to enrich sales and origination of loan products.

Monitor Mortgage Information Center phone calls, department voicemail and email inboxes

Assist Manager Residential Loan Origination with day-to-day operations and administrative duties such as answering general questions, time approvals, preparation for team meetings, and new employee interviews and onboarding.

Perform actions including income analysis, purchase loan conversions, compliance reviews on existing loan applications, and complete second reviews as part of the adverse action process

Manage loan pipeline daily and work with team members to ensure compliance needs are met

Originate DCCU member and DCCU employee loans, as needed

Resolve escalated member service concerns in a timely and professional manner

Collaborate with all other areas of Residential Lending to ensure production, quality, compliance, and turn time goals are achieved

Work with Marketing & Business Development to implement plans for First Time Home Buyer seminars, financial education, mortgage industry networking events and loan promotions.

Knowledge in Delta Community Credit Union policies and guidelines, Fannie Mae (FNMA) selling guidelines and Desktop Underwriter (DU).

Familiarity and experience working with Encompass, Consumer Connect, Symitar, Avaya, CMS Supervisor, Harmony, Freshdesk and other systems utilized in the specific area of responsibility.

Compliance with all Delta Community Credit Union policies and procedures including those related to Bank Secrecy Act regulations.

**Other**

This description reflects managements assignment of essential functions, it does not prescribe

or restrict the tasks that may be assigned.

This job description is subject to change at any time.

**Job Qualifications**

**Required Minimum Qualifications:**

High School Diploma or equivalent.

4 years experience in the mortgage lending industry with a strong emphasis on mortgage sales and origination and familiarity with processing, underwriting, closing and post-closing functions.

Knowledge of Fannie Mae (FNMA) and various secondary market investors mortgage guidelines.

Strong analytical, financial, computer and communication skills.

Should be able to handle multiple projects in a timely and confidential manner.

Demonstrate solid management and decision-making, administrative and organizational skills.

Be detail oriented, have a high degree of self-discipline and work well without supervision.

Ability to work and communicate with all levels of management

Possess a working knowledge of federal regulations including but not limited to RESPA, HMDA, ECOA, FCRA, FDPA and REG Z and secondary market agencies such as FNMA and FHLMC.

1.Applicants for this position must successfully complete and pass the eligibility requirements for registration under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act), which requires Federal Registration under the Nationwide Mortgage Licensing System and Registry. Applicants at the minimum must furnish the Registry with information concerning the applicants identity including: (1) Fingerprints for submission to the FBI and any other relevant governmental state agency for a State and national criminal history and background check; and (2) personal history and experience including authorization for the Registry to obtain information related to any administrative, civil or criminal findings by governmental jurisdiction. Failure to successfully pass the Registry background screening requirements could result in loss of position and/or employment.

2.As an individual mortgage loan originator, you must demonstrate financial responsibility, character, and general fitness such as to warrant the determination that you will operate honestly, fairly, and efficiently. A mortgage loan originator must also comply with all SAFE Act registration requirements.

3.A review of your credit report will be used to determine your level of financial responsibility, measured using the same standards as all credit union employees at new hire with the exception of consideration of multiple bankruptcies . Multiple bankruptcies were added for mortgage loan originator positions to comply with the TILA 1026.35(f). A review of your level of financial responsibility will consist of considering relevant factors such as the existence of current outstanding judgments, tax liens, other government liens, nonpayment of child support, or the existence of bankruptcies, foreclosures, or a pattern of delinquencies. We will ignore medical debts and credit score.

4.A review of your criminal background check from the NMLSR will be used to determine your character and general fitness. We will also use any other information reasonably available to us as part of a prudent hiring process and information into which we come into possession to aid in this determination. A review of your character and general fitness will consist of considering acts of unfairness or dishonesty, including dishonesty in the course of seeking employment, and any disciplinary actions by regulatory or professional licensing agencies. Additionally, you may not have been convicted of, pleaded guilty or nolo contendere to, a felony during the preceding seven-year period, or in the case of a felony involving an act of fraud, dishonesty, a breach of trust, or money laundering, at any time

**Internal Candidates Only:**

Must be performing satisfactorily in current position.

**Preferred Qualifications:**

Bachelors degree in Business, Finance or related field.

Experience using software applications such as FNMA Desktop Underwriter, Encompass and Symitar.

**Employee benefits include:**

Medical, Dental and Vision Coverage

Voluntary Insurance Coverage

401(k) Plan with Company Match

Vacation, Holidays and Personal Time Off

Discount on Gym Membership