MORTGAGE LOAN ORIGINATOR at Freedom Credit Union

Springfield, Massachusetts, United States -

Full Time

Start Date

Immediate

Expiry Date

11 Aug, 26

Salary

36.26

Posted On

13 May, 26

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Origination, Credit Analysis, Loan Interviewing, Consultative Selling, Relationship Management, Financial Data Analysis, Regulatory Compliance, Customer Service, Problem Solving, Effective Communication, Professionalism, Adaptability

Industry

Financial Services

Description

Description Primary Summary: Originates first and second mortgages. Solicits new mortgage business, maintains good outside working relationships, and promotes the organizations products and services. Spends a significant amount of time doing inside sales activities. Essential Functions/Position Responsibilities: · Determine financing objectives and goals. Conducts the loan interview and secures the member information necessary to initiate a loan transaction. Provides loan information and service to customers, realtors, and others as needed. · Receives and screens loan applications. Pulls, review and analyzes credit. Gathers financial data. Notifies client to resolve discrepancies such as late payment history, judgments, etc. Discusses options. Informs client of closing costs such as appraisals, and attorney fees. · Prepares records and reports as requested regarding loan origination and closing activities as needed. · Collects supporting loan documentation. Requests a personal employment and credit check of the applicant, requests an appraisal on the property and/or construction plans under consideration. · Maintain constant communication with clients via email, phone and mail form application to closing and post-closing. Communicate with attorneys, realtors, appraisers and vendors pertaining to specific client needs. · Maintains contacts and good working relationships with real estate brokers, attorneys, and builders to assure a favorable image of the organization and to provide information regarding current loan policies and procedures. · Receives inquiries from prospective members regarding all types of mortgage, provides requested information regarding the organizations lending policies and procedures. · Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Requirements Experience: One to two years of similar or related experience, including time spent in preparatory positions.Knowledge of Fannie Mae and Freddie Mac guidelines is required. Bi-lingual skills are a plus. Education/Certifications/Licenses A college degree preferred but experience may substitute with appropriate experience.Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment. Interpersonal Skills A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with members, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance. Other Skills Will be required to work outside of scheduled hours to respond to positions issues. Competencies:Member/ Stakeholder Focus: Builds and maintains effective relationships with credit union staff, partners, and members. Identifies member, partner and stakeholder needs and expectations. Listens carefully to understand issues from their point of view. Provides practical solutions and recommendations that support achieving the member’s, partner’s, or stakeholder’s desired outcomes. Adaptability: Learns and adapts quickly in new situations. Possesses a flexible style, the ability to change and adapt to fit circumstances. Adjusts with ease, resulting in successful performance. Personal Accountability: Accepts responsibility for own actions, including failure. Embraces experiences as learning opportunities and does not blame others. Collaboration: Values others and different perspectives. Actively seeks and enlists participation of other departments, functional areas and individuals in order to achieve goals. Promotes the common good, extends self beyond personal self-interest; engages in appreciative inquiry and a spirit of caring, not finger-pointing or blaming. Effective Communication: Puts others at ease by listening. Allows adequate time for interactions, gives undivided attention to speaker, demonstrates non-verbal cues that show interest, keeps an open mind and concentrates on the speaker’s message. Responds with information or questions, as appropriate. Remains calm, focused and polite, even during stressful conversations. Professionalism: Consistently conducts self in a manner that is business appropriate. Manner of speech, attire and interaction with others conveys competency, confidence, credibility, respect and efficiency to others. Is polite, courteous, tactful, responsible, and well-groomed. Establishes and maintains professional boundaries in all work-related relationships. Problem Solving Gathers and analyzes information, identifies goals, explores and selects solutions, implements and action plan and evaluates results to ensure identified goals have been achieved. Consultative Selling - Demonstrates the ability to influence others by listening, gathering and analyzing information in order to accurately understand their needs. Provides expert advice and functions as a knowledgeable resource, works collaboratively in order to develop possible solutions, and/or to solve problems. Presents information, products and services in a manner that secures commitment. Physical Demands: Ability to sit and/or stand for long periods of time; reach with hands and arms. Sustains repetitive motions while using computer keyboard. Close vision for the computer screen is also required. Bends, stoops, kneels, pushes and pulls while filing or moving supplies. Occasionally lift and/or move up to 30 lbs. NOTE: This job description has been designed to indicate the general nature and level of work performed by staff members within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of staff assigned to this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

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Responsibilities

Originates first and second mortgages by soliciting new business and maintaining relationships with realtors and builders. Manages the full loan lifecycle from initial interview and credit analysis to closing and post-closing communication.