Mortgage Loan Originator

**This is a commission based position with a nominal base salary.**

POSITION SUMMARY

Responsible for the solicitation of new mortgage business throughout GFA’s entire field of membership.

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

Sales and Networking 80%

· Originate real estate loans (first mortgage and equities) using a variety of tools and networking opportunities.

· Develop a strong realtor network.

· Promote and cross-sell credit union services to deepen member relationships.

· Initiates the mortgage loan process through interviewing applicants, counseling and guiding them through the real estate lending process.

· Submit applications to underwriting and communicate decisions (approvals, denials, or counteroffers) to applicants.

Service 20%

· Work closely with lending support team to ensure quality service and control.

· Manage online application process, ensuring leads are acted on timely, loans are closed timely and quality is exceptional.

· Provide the appropriate level of oversight: manage the pipeline to ensure that loans are closed and that leads and pre-qualifications are turned into sales.

· Ensure all applications are complete, accurate, and properly documented.

· Analyze credit reports and assess applicant qualifications within established lending guidelines.

· Prepare required disclosures, ensuring timely and accurate delivery through the member’s chosen channel.

Additional Responsibilities:

· Models and promotes the behaviors of the Credit Union’s core values, actively works to enhance the member and employee experience throughout the Credit Union

· Participates in the Credit Union’s Community/Civic Engagement Program which requires participation in one community event each calendar year.

· Act as a role model for staff by completing tasks in a timely and accurate manner. Demonstrates a commitment to learning by cross training on other functions as required.

· Participates, completes, and attends mandatory training and/or online assignment for regulatory compliance.

· Adheres to and complies with Credit Union and regulatory agencies (i.e., NCUA, State, Federal) policies and procedures.

· Other duties as assigned.

Knowledge, Skills, and Success Factors:

· 3 years of real estate sales/origination experience

· Must become registered as a GFA Federal Credit Union Mortgage Loan Originator with the National Mortgage Licensing System (NMLS)

· Strong knowledge of regulations/compliance in residential lending

· Successful candidates are driven by a commission-based compensation structure.

· Strong verbal and written communication skills, as well as math skills

· Organization, interpersonal and customer service skills

· Ability to multi-task, maintaining a high degree of detail and accuracy.

· Microsoft Office Suite

Physical Requirements:

General office environment

Application Question(s):

• Have you worked for GFA Federal Credit Union previously?

Education:

• Bachelor's (Required)

Experience:

• Mortgage Lending : 3 years (Preferred)

Willingness to travel:

• 50% (Preferred)

Work Location: In person