Outside Mortgage Loan Originator

Why have a job when you can build a career?  We are proud to be defined by the excellent service and convenience offered to our members, as well as our diverse workforce and company culture. There are many reasons to work for MIDFLORIDA, which is probably why we were voted one of Florida Trend's "Best Places To Work."  MIDFLORIDA offers a positive team culture, an open door management style, a commitment to diversity, stability, competitive benefits, and a career path with a growing, successful company! Join us on our mission to improve the financial well-being of our members!   

Outside Mortgage Loan Originators perform the following functions:

• Generating first mortgage real estate loans from the MIDFLORIDA field of membership.
• Reviewing pre-qualifications to determine appropriate programs and products for members.
• Issuing prequalification letters and appropriate disclosures.
• Processing referrals and online applications.
• Conduct and issue prequalification letters and appropriate disclosure documents.
• Reviewing credit reports and locking in loans with secondary market (if applicable).
• Auditing files for complete information and compliance with secondary market guidelines.
• Providing good faith estimates, truth-in-lending, and other appropriate disclosures to borrowers within 3 business days of application.
• Present a neat and professional personal appearance, in accordance with credit union professional image standards.
• Exercise sound judgment and discretion while remaining compliant with well-defined limits and guidelines.
• Provide technical solutions in support of MIDFLORIDA’s electronic services.
• Exhibit a high degree of integrity, trustworthiness, and professionalism always.
• Exude a positive and professional attitude with members and partners consistently.
• Develop a strong understanding of customer facing technology with the ability to discuss with and enroll members in self-service options.
• Support assigned branches and members in all mortgage lending needs.
• Perform other duties as assigned.

Qualifications include:

• Possess excellent customer service skills along with strong verbal and written communications skills.
• 3 years of government (FHA/VA/USDA) and conventional loan origination experience.
• Advanced knowledge of the real estate market and thorough understanding of Federal and State mortgage regulations.
• Experience with loan underwriting and secondary market guidelines.
• Proficient in the use of computers, the internet and Microsoft Office.
• The eligibility to meet the requirements of the SAFE Act to be registered as an MLO with NMLS.
• High school diploma or equivalent is required; a bachelor’s degree in a business-related field is preferred.

MIDFLORIDA Perks:

• Stability
• Opportunity for growth
• Paid time off and paid holidays
• Tuition assistance after 6 months of service
• 401K Plan with employer matching
• Health, Dental, and Vision Insurance - Generous and affordable plans for employee and family.
• Employee Assistance Program- No waiting period to access benefit.
• Salary and Bonuses – Bonus programs and annual appraisals with salary increase opportunities.

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.