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086eed9a1975dde767704451f1aaa441

Mortgage Loan Originator

Teachers Credit Union Indianapolis, IN Full-Time
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We are searching for an experienced Mortgage Loan Originator.

Essential Function

Coaches and advises members on all aspects of mortgage programs. Targets assigned markets to gain business for the credit union. Builds relationships with business partners to gain leads and opportunities. Establishes new memberships and strengthens existing ones by discussing financial needs. Recommends and sells the appropriate products and services to maximize the profitability of the member’s relationship.

 

Primary Responsibilities & Duties

  1. Present a professional image and demeanor when representing the Credit Union.

  2. Manage mortgage production pipeline to ensure department and individual goals are met.

  3. Develop and maintain an external sales plan to generate new business opportunities.

  4. Develop long term relationships with local realtors, builders and other community partners.

  5. Develop relationships with branch managers, internal business partners, and other team members to cultivate business with existing and potential referral sources.

  6. Responsible for participating in Realtor and Builder associations to develop relationships within the community.

  7. Educate and advise members on the mortgage process and specific programs.

  8. Ability to complete a thorough, accurate loan application on the loan origination software, pull member’s credit information, reconcile all liabilities with member, send accurate information to automated underwriting system (DU), and obtain all required documentation.

  9. Responsible for complying with all state and federal regulations including, but not limited to, RESPA, HMDA, TRID and Fair Lending Practices and credit union policies and procedures.

  10. Responsible for ongoing communication with member and notification of the status of the mortgage loan.

  11. Maintain in depth knowledge of all TCU products and services to promote and cross sell.

  12. Assumes additional responsibilities as necessary for the continued growth and advancement of the Credit Union.

Specific Skills

  • Excellent interpersonal and communication skills

  • Computer literacy (Windows environment) data entry skills required and proficient use of technology tools and system navigation skills.

  • Familiarity with secondary market underwriting guidelines and knowledge of automated underwriting system (DU)

  • Sales skills with ability to build internal and external relationships

  • Attention to detail and prioritize work activities to use time efficiently.

 

Accountability

  • Completion of an accurate application with all applicable compliance regulations relating to mortgage loan origination.

  • Compliance with applicable underwriting guidelines for mortgage programs.

  • Mortgage production and sales goals as established by Mortgage Sales Manager

  • Accountable for understanding and applying government laws and regulations and TCU policies and procedures relating to the Anti-Money Laundering Regulations including but not limited to the Bank Secrecy Act (BSA), US PATRIOT ACT and OFAC.
  • Accountable for Performance Management Goals as agreed upon with Supervisor.

Minimum Requirement

  • High School Diploma (GED) or equivalent skills and abilities.
  • Minimum 1-year experience in a mortgage-related field or equivalent combination of education and experience.
  • Comprehensive knowledge of financial institution products and services.

  • Must be registered with an active NMLS License ID or meet registration requirements with the Nationwide Mortgage Licensing System to obtain NMLS License ID.



Non-Exempt



Our company provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics.

 

Recommended skills

Loans
Real Estate Settlement Procedures Act
Loan Origination
Underwriting
Bank Secrecy Act
Mortgage Loans

Location

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Job ID: req446

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