Mortgage Loan Originator at Safe Harbor Credit Union

Pere Marquette Charter Township, Michigan, United States -

Full Time

Start Date

Immediate

Expiry Date

02 Sep, 26

Salary

0.0

Posted On

04 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Mortgage Loan Origination, Financial Analysis, Underwriting Guidelines, Regulatory Compliance, Risk Assessment, Loan Documentation, Customer Service, Relationship Management, Portfolio Management, Credit Analysis

Industry

Financial Services

Description

Description The Mortgage Loan Originator is responsible for originating residential mortgage loans while also supporting the strategic leadership of the mortgage department in collaboration with Management team members. Essential Functions & Responsibilities 20% - Takes and reviews applications for mortgage loans. Explains available loan programs and advises members on appropriate options and requirements. 20% - Analyzes members’ financial conditions, including credit history, credit score, collateral, and other relevant information, to assess risk and repayment ability. Makes decisions within approval authority or forwards requests to the appropriate level for review. 15% - Completes or oversees the completion of all loan documentation. Ensures accuracy and compliance with Credit Union policies and regulatory standards. Prepares required reports and records and meets with members to explain terms and close loans. 15% - Stays current on mortgage products, industry trends, market conditions, and financial services to effectively meet members’ evolving needs. 10% - Builds and maintains strong relationships with real estate agents, vendors, and key community partners to support business growth and member engagement. 10% - Manages loan portfolios, including delinquency control, compliance, and regulatory reporting. Contacts delinquent members as needed. 5% - Develops relationships with secondary market buyers and facilitates the sale of loans in accordance with policy. 5% - Collaborates with information systems and internal teams to coordinate loan processing needs. Requirements Education & Experience High school diploma or equivalent required; Associate’s or Bachelor’s degree in finance, business, or a related field preferred. Minimum of 2–5 years of experience in mortgage lending, loan origination, or financial services. Experience within a credit union or banking environment strongly preferred. NMLS registration (or ability to obtain) required. Familiarity with residential mortgage products, underwriting guidelines, and the loan origination process. Knowledge, Skills & Abilities Strong knowledge of mortgage loan products, lending practices, and origination processes. Understanding of applicable regulations (e.g., NCUA, CFPB, RESPA, TILA, HMDA, and other mortgage-related compliance requirements). Ability to analyze financial information and assess borrower eligibility and repayment capacity. Excellent interpersonal, communication, and customer service skills. Ability to manage multiple loan files and priorities in a fast-paced environment. Ability to maintain confidentiality and handle sensitive information with professionalism. Schedule Hours: 9:00 a.m. – 5:00 p.m. Days: Monday through Friday Location: Onsite Compensation is competitive and based on experience and includes a comprehensive benefits package starting on day one. Our full benefits package includes: Health insurance Dental insurance Vision insurance Short-term disability Long-term disability Life insurance

Responsibilities

Responsible for originating residential mortgage loans and analyzing members' financial conditions to assess risk and repayment ability. The role also involves managing loan portfolios, maintaining industry relationships, and ensuring compliance with regulatory standards.