What are the responsibilities and job description for the Mortgage Loan Originator position at WESTconsin Credit Union?
At WESTconsin Credit Union, we believe in the power of people helping people. Our mission is to give members, communities, and one another the inspiration, resources, and support to achieve financial wellness. We fulfill our mission by creating a positive impact in our members' lives by providing trusted financial services and building lasting relationships. If you're looking to work for an organization where your contributions matter, where teamwork and community are at the heart of everything we do, and where you can grow in a dynamic, supportive culture—then you're in the right place! We’re more than just a credit union; we strive to make a real difference. Ready to make an impact? Let’s grow together!
What You’ll Be Doing:
- Satisfactorily originates new mortgage loans (purchase, refinance, and subordinate) for new and existing members while providing a consistent, high-quality service and experience to WESTconsin Credit Union members
- Advises members prior to application
- Educates members on available mortgage loan products, the mortgage origination lifecycle and corresponding timeline
- Inputs accurate, complete and detailed mortgage loan applications
- Reviews and analyzes credit reports; educates members on their credit report, including ways to improve credit ratings
- Identifies the best mortgage loan product based upon the member’s application and the member’s needs
- Proactively identifies shortcomings with the member’s application based upon industry knowledge, loan program specifications and Credit Union procedures and policies, and effectively communicates potential obstacles to members
- Identifies, requests and successfully collects documents and forms required, from the member, as a part of the origination process
- Reviews mortgage loan disclosures and verifies member’s understanding of the proposed loan terms
- Closes mortgage loans as applicable and attends mortgage loan closings facilitated by third parties, as appropriate
- Provides timely and accurate information to members and other third parties involved with the mortgage transaction
- Communicates underwriting decisions to members, up to and including loan denial
- Responds to and resolves member questions, concerns, and complaints
- Keeps Assistant Vice President – Mortgage Production aware of any member concerns or incidents
- Obtains and maintains relevant mortgage lending knowledge based upon general mortgage lending practices, Credit Union policies and procedures and other industry resources
- Collaborates with internal team members and departments; is an available mortgage resource to other WESTconsin Credit Union departments and employees
- Promotes Credit Union within respective community through networking activities, chamber events, trade shows/seminars and WESTconsin Credit Union sponsored events
What You’ll Need to Be Successful:
- Associate’s degree or equivalent and four years of related experience in financial services and/or lending experience required
- Strong written and oral communications skills with an emphasis on urgent and timely responses
Why Choose WESTconsin:
- Health, Dental, and Vision Insurance Plans
- Annual Healthy Living Fund Contribution
- Student Loan Repayment Program
- Competitive Salary
- Impressive 401(k) Contribution and Match Plan
- Paid Time Off Accrual
- 11 Paid Holidays
Visit WESTconsin Careers