Hours: Monday - Friday 8:30am - 5:00pm with occasional weekends. (Multiple branch/office locations available to work from) This position comes with base salary $15.00 (plus commission, full benefits, cell phone reimbursement and a marketing budget!) POSITION SUMMARY: Originates mortgage loans. Develops referral relationships with realtors, builders, bankers, and other sources to proactively solicit business and conduct sales-related activities to meet specific loan volume origination goals. Takes applications, conducts preliminary underwriting reviews, and submits loan applications to processing. This position contributes to a positive relationship between the community, member, and the credit union. ESSENTIAL FUNCTIONS:Provides excellent service to both new and established membersOriginates loans and assists members with the loan application including explanation of first mortgage process and products while assuring compliance with PMCU, state, federal, investor and TRID standards Completes loan app, input fees, and generates loan disclosures in accordance with TRID guidelinesCollect and analyze prospective clients, credit, liabilities, income, and assets to determine credit worthinessOrder and understand residential appraisal reportsPrice and lock loansComplete HMDA on adverse loansUnderstand and manage mortgage loan deadlines to ensure purchase contract compliance and closing datesSubmit complete file to processing within 48 hours of lockProvide continuing counsel and customer service to borrower throughout the entire loan processAssist walk-in members and telephone inquiries as neededMaintain consistent communication with members and operations staffDevelops and maintain relationships with potential new business referral partners, realtors, builders, and community relationships Develop individual Sales Plan to generate additional businessAssist in the marketing effort including SEG presentations, first time home buyer seminars, and community functionsParticipates in on-going training classes and workshopsMaintains a professional image and standards consistent with company policies and procedures.Respects confidentiality of information handledPerforms other duties as assigned QUALIFICATIONS Education/Certification: High school diploma or equivalent Required Knowledge: Knowledge of state, federal, and FannieMae/FreddieMac rules and regulationsHave familiarity with conventional and government mortgage loan programs (FHA/VA/USDA) and guidelinesAbility to work and apply mathematical concepts such as multiplication, division, addition, subtraction, fractions, percentages, ratios, and proration's in calculating mortgage payments and loan estimates Attention to detailKnowledge of first mortgage products and underwriting guidelinesProficient in Encompass LOS Knowledge of loan policy, procedures, and guidelinesUnderstanding of regulatory and legal requirementsProficient with Desktop Underwriter and Loan ProspectorAbility to work without supervision, multi-task, and prioritizeKnowledge of data processing on-line systemsSubstantial knowledge of credit union policies and services Preferred experience: Minimum 2 years mortgage lending experienceNational Mortgage Licensing System and Registry (NMLS) registration Skills/Abilities:Clear verbal and written skillsAbility to deal effectively and tactfully with members and staff at all levelsAbility to communicate with members in common languageAbility to deal with conflict and problem solve effectivelyMust be able to type 50-55 WPM with a 97% accuracy rate. WORKING CONDITIONSStandard office conditionsMay require long periods of standingLow to moderate noiseLong periods of computer and member interactionsLimited lifting up to 25 lbs This description has been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate. In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.The Credit Union believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors. Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law. This Job Description is not a complete statement of all duties and responsibilities of this position and may change with or without notice.