Mortgage Loan Originator

Pay Range: $63,759.00 - $76,383.00, plus additional incentives for performance

Remote Eligible: Hybrid

We offer a competitive benefits package. See https://www.cuofco.org/careers for a high-level overview of our benefits package and bonus offerings.

General Purpose of the Position

Responsible for originating member mortgage loan requests within the Credit Union's Loan Policy guidelines. Establish relationships with outside partners such as real estate agents in order to generate loan volume. Responsible for processing originated loan requests in accordance with established guidelines and regulatory requirements, and accurately submitting to underwriting for approval. Assists or refers members as necessary. Manage pipeline of originated loans and be responsible for directing all efforts related to providing excellent member service by demonstrating courtesy and personal concern for members. Ability to work in a team dedicated to providing world class service that will maintain and grow a member's relationship with Credit Union of Colorado. Effective communication with internal and external members is critical in meeting key performance metric and contributing to the success of the team.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. May perform other duties as requested or assigned.

• Maintain service level expectations for member experience

• Originate mortgage loans through internal and external resources

• Discuss loan application and decision with potential borrowers (including what items would be needed to complete loan process)

• Must have the ability to be NMLS registered

• Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position

• Process originated files from applications received, submitting to underwriting, clearing conditions and obtaining final approval

• Deliver clean, complete and accurate files to underwriting

• Communicate effectively with internal and external members

• While performing the duties of this position, the employee will view, have access to, and work with confidential financial data. The employee in this position must adhere to strict confidentiality policies and procedures

• Ensures that the Credit Union's professional reputation is maintained

• Represents the Credit Union in contact with business and trade professionals

Requirements

EDUCATION AND EXPERIENCE:

High school diploma or general education degree (GED). Mortgage origination experience preferred.

OTHER SKILLS AND ABILITIES:

Thorough knowledge of Credit Union services and products. Ability to establish and maintain effective working relationships with other administrative officials and the public. Ability to apply interpersonal skills that develop member confidence, respect and trust in Credit Union of Colorado and develop cooperative relationships with all levels of people throughout the organization. Ability to foster and grow outside relationships with industry professionals.

PHYSICAL DEMANDS:

While performing the duties of this job, the employee is typically required to sit for long periods. The employee continually is required to talk or hear. The employee is occasionally required to stand, walk, stoop and reach with hands and arms. The employee will occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Core Competencies

MEMBER FOCUSED

Creates trust by building relationships and actively discovers the right solutions for Members and peers; understands that the credit union exists because of Member trust and loyalty in the organization and employees; is passionate and dedicated to meeting the expectations and requirements of internal and external Members.

COOPERATION AND TEAMWORK

Relates well to all kinds of people; builds appropriate rapport; works harmoniously with others; uses and understands diplomacy and tact; encourages collaboration; seeks opinions; is candid with peers; values working relationships. Readily puts in extra effort to accomplish important tasks.

DECISION QUALITY

Understands the member's best interest is first; demonstrates decisions which are based on creating the best possible outcome for the member; makes decisions based on a mixture of analysis, wisdom, experience, and judgment; most recommendations and decisions turn out to be correct and accurate when judged over time; sought out by others for advice and solutions.

PROBLEM SOLVING

Uses rigorous logic and methods to solve difficult problems creating effective solutions; is resilient and will own the solution and the problem; can see hidden problems; is excellent at honest analysis; looks beyond the obvious and doesn't stop at the first answers.

ACTION ORIENTED

Pushes self and others to achieve the best possible results for the Member, organization, and employees; proactively seeks out opportunities; raises hand, rather than waits to be asked; not fearful of acting with a minimum of planning; understands that it's OK to make a mistake (fail forward).

ADAPTABLE

Learns on the fly; is a relentless, versatile and an active learner; open to change; can learn new skills and knowledge; analyzes both successes and failures for opportunities to improve; understands that different situations and levels may call for different skills and approaches; works to deploy strengths; works on compensating for weaknesses and limits.

INNOVATION

A cultural mindset that supports new ideas, fosters experimentation, and drives continuous improvement to deliver member value.

Combines and brings forward ideas in unique ways to make connections between disparate ideas; willingness to explore different lines of thought and suggestions and try new ideas through experimentation, views situations from multiple perspectives; brainstorms multiple approaches/solutions to benefit members.

Credit Union of Colorado is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, veteran status, or any other characteristic protected by applicable federal, state, or local laws.

Please note applicants can redact any information that identifies their age, birth date, or dates of schooling on either their resume or any additional materials provided.