The Mortgage Originator role is FULL-TIME, HYBRID, with an expectation of remote work after suitable training period and acceptable level of competency has been reached.

The position will be focused primarily on Carteret and Craven Counties, from Morehead City to New Bern.

Headquartered in Wake County, our footprint extends from Cary to Eastern North Carolina, and candidates are expected to be located within one hour of a First Flight branch.

COMPENSATION STRUCTURE:

The compensation of this position is base commission. Total earning potential is dependent upon performance in the position.

SUMMARY:

This position is primarily responsible for the sales, origination and processing of mortgage and real estate secured loan products.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Core duties and responsibilities include the following. Other duties may be assigned.

• Develop a pipeline of mortgage and real estate secured loans through external contacts and referrals
• Originate loans to First Flight's policies and guidelines
• Assist new and existing members in the selection of loan products and securing loan approval
• Review files for compliance and quality
• Prepare and distributes all Federal and State disclosures for product selected
• Respond to all member inquiries to ensure exceptional member service
• Maintain strong business relationships with internal employees

SUPERVISORY Responsibilities:

This job has no supervisory responsibilities.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND/OR EXPERIENCE:

• A minimum of 3 years of progressive experience in mortgage loan origination, demonstrating a consistent track record of exceeding origination targets and building a substantial portfolio.
• A well-established and verifiable network of referral partners, including real estate professionals, financial advisors, and past clients, resulting in a robust, portable book of business.
• While a Bachelor's degree in business, finance, or a related field is preferred, extensive and demonstrable experience, coupled with a proven ability to leverage an existing network for immediate results, will be prioritized.
• A deep and current understanding of the mortgage lending industry, including diverse loan products, market trends, and regulatory compliance.
• Exceptional relationship management, negotiation, and communication skills, with a proven ability to cultivate and sustain long-term, high-value client relationships.
• The ability to show that the existing network will provide immediate and tangible results for the organization.
• Demonstrated ability to develop and maintain a strong referral network.

LANGUAGE SKILLS:

Ability to read and interpret documents such as contracts, business documents, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

MATHEMATICAL SKILLS:

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

REASONING ABILITY:

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

COMPUTER SKILLS:

To perform this job successfully, an individual should have advanced to expert knowledge of Word Processing and Spreadsheet Software, Internet Software, and E-Mail Software, as well as specific .

OTHER SKILLS AND ABILITIES:

• A proven track record of success that includes administrative management, sales, and creative problem-solving experience is desired.
• Possession of technical knowledge, critical thinking skills, communication skills (verbal and written) and interpersonal skills.
• Professional, outgoing, and member service oriented.
• Friendly, courteous, service-oriented, and flexible and enjoy working with a variety of staff.
• Detail-oriented and work effectively under pressure while meeting all applicable deadlines.
• Must be able to work independently and productively with minimal supervision; able to manage multiple projects.
• Recognize problems, identify possible causes and resolve routine problems.
• Establish and maintain effective working relationships with internal and external organizations, groups, team members and individuals.

OTHER QUALIFICATIONS:

• Able to work a flexible schedule to include weekends and holidays.
• Must be professional and courteous at all times and conduct in a manner consistent with the credit union's image.
• Requires broad knowledge of credit union products and services, our policies and procedures, and our Financial Services Platform system.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an Employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to touch, handle, or feel; talk or hear and taste or smell. The employee is frequently required to stand and walk. The employee is occasionally required to reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.