Mortgage Loan Originator

About the Opportunity

Our client is a well-established, member-focused credit union with a strong regional presence and a growing mortgage division. They sit at the intersection of the credit union and broker worlds, offering the stability of W-2 employment and a robust member referral network alongside a high-autonomy, performance-driven environment. They are actively expanding their outside mortgage origination team in the Lansing, MI market and are looking for a motivated, relationship-driven Mortgage Loan Originator to establish and grow their presence in the community. This is an opportunity for an up-and-coming producer to build a book, grow into the role, and be part of a team that invests in its people for the long haul.

Compensation

Year 1: $65,000 base salary 1% commission on monthly production exceeding the monthly salary. After year one, transition to a tiered basis-point commission structure with on-target earnings of $100,000-$150,000 at full production.

Responsibilities

• Prospect, build, and maintain relationships with realtors, builders, and community partners to generate self-sourced mortgage business
• Interview applicants, take loan applications, and guide borrowers through the mortgage process from prequalification to closing
• Represent the credit union at realtor and builder meetings, association events, and community networking functions across the Phoenix metro
• Analyze lending situations to identify opportunities to further assist borrowers and deepen the member relationship
• Cross-sell additional credit union products and educate borrowers on the benefits of membership
• Ensure all loan documentation is accurate, complete, and compliant with applicable federal and state regulations
• Stay current on market trends, lending guidelines, and mortgage products; share relevant updates with appropriate team members
• Provide periodic production reports and participate in product development and training initiatives as needed

Requirements

• 2-5 years of mortgage loan origination experience required, with a demonstrated track record in a high-volume or competitive market
• Active NMLS license in the state of Michigan (or ability to obtain prior to start)
• Demonstrated track record of self-generated purchase business - primarily driven by realtor and community relationships
• Bachelor's degree in Business or related field preferred
• Strong knowledge of mortgage loan programs, secondary market requirements, and federal/state lending regulations (including Regulation Z, FCRA, FHA/VA products)
• Excellent communication, organization, and time management skills
• Highly self-motivated and comfortable operating with significant autonomy - no assigned office, minimal direct oversight
• History of institutional loyalty; this role is built for someone looking to grow with an organization, not a frequent mover
• Production target: $8-$12M annually

All staffing and recruiting services for this engagement are provided directly by Oxenham Group; unsolicited candidate submissions, proposals, or partnership inquiries from third-party recruiting vendors or agencies will not be considered, accepted, or compensated, and this policy is applied consistently in accordance with EEOC and DOL equal employment opportunity and fair hiring standards.