GENERAL FUNCTIONS:

Responsible for various duties relating to the origination of all mortgage loan

applications. Ensures compliance with all mortgage loan policies and procedures, state

and federal laws and regulations.

PRINCIPAL ACCOUNTABILITIES:

• Coordinates the origination of all first mortgage loan applications and assists in the

consummation of their ultimate closing.

• High focus on determining the member’s financial needs and cross sells the

appropriate credit union mortgage loan product while concentrating on developing

member relationships.

• Meet production, volume and survey results requirements.
• Facilitates the member’s mortgage loan application and ensures that the compilation

of the member’s information is accurate and complete.

• Works directly with appropriate title companies to obtain preliminary costs

associated with the mortgage loan transaction.

• Ensures that all preliminary mortgage disclosures are complete and accurate and

are distributed to the member as required by appropriate compliance regulations.

• Cross sells appropriate credit union products and services not related to the

mortgage loan application.

• Makes recommendations on all mortgage and consumer loan applications.
• Assists in developing new procedures to ensure the most efficient operations within

the department.

• Assists the credit union with required technical expertise with regard to real estate

activities.

• Communicates both verbally and in writing to member inquiries pertaining to all

functions related to the mortgage loan process.

• Assists in determining individual and departmental goals.
• Promotes honest and open communication throughout the credit union.
• Demonstrate behaviors that are consistent with the credit union’s values,

philosophies, and leadership characteristics.

• Work with other credit union departments to ensure the workflow or process is

providing the best service to the members.

• Perform other duties as assigned.

KNOWLEDGE, SKILLS AND ABILITIES:

• Comprehensive knowledge of real estate law and title insurance.
• Must have Mortgage Originator License or ability to obtain license within three

months of employment.

• Extensive knowledge of regulations governing real estate, including Regulations B,

C, X, Z and the Fair Housing Act and Fair Credit Reporting Act.

• Knowledge of Fannie Mae/Secondary Market underwriting guidelines and eligibility

requirements.

• Experience utilizing a PC-based loan management system which utilizes pipeline

tracking and management capabilities.

• Demonstrates a strong degree of sales aptitude.
• Ability to communicate effectively in writing and orally.
• Ability to resolve interpersonal conflict and miscommunications.
• Knowledge of spreadsheet software and ability to use word processing software.
• Ability to maintain a high level of confidentiality.
• Must be able to be bonded.

PHYSICAL ACTIVITIES:

In this position, individual will be expected to lift up to 20 pounds from time to time.

Also, must be able to stoop, bend, reach, or stand for extended periods of time. Must

be able to sit and use a computer for extended periods of time.

WORKING CONDITIONS:

This position is expected to work in general office environment and must have

automobile to travel within the local area and be able to attend various schools,

seminars and workshops as required.

EDUCATION/EXPERIENCE REQUIREMENTS:

• A four-year college degree is desirable but not required.
• Mortgage origination experience.
• Appropriate experience may be substituted for the above requirements.
• Must have Mortgage Originator License in 5 states.