What are the responsibilities and job description for the Mortgage Originator position at First Source FCU?
Job Description
Job Description
POSITION SUMMARY
The primary responsibility of this position is to provide an exceptional experience to our membership by promoting the mission, lending philosophy, and values of the organization. Be the mortgage champion for the branches, MCC and those with in the local real estate community. Through the referral process initiated by the Member Service team seek to counsel and educate our members to improve their financial lives. Maintain a high level of quality standards while meeting individual goals and assisting the credit union in attaining branch and organizational goals as assigned.
ESSENTIAL JOB FUNCTIONS
- Responsible to retain and deliver our mortgage programs within the credit union and bring awareness to our community.
- Originate mortgage loans by interviewing potential members for mortgage lending opportunities for preapproval, purchases, and refinances through the referral sources : branch referrals, online leads, repeat business, personal referrals, and external referrals through the real estate community.
- Be the point of contact for all applicants throughout the process to ensure consistency, accuracy, promptness, and overall excellent member service.
- Establish and nurture relationships with Member Service Staff, mentoring assigned branches and staff with a strong focus on submitting qualified / quality mortgage referrals, along with companies and individuals within the real estate community.
- Acting as the liaison between Homeowners Advantage Representatives / Originator and the applicant through the process to ensure a smooth transition from application to closing and post-closing initiatives
- Attend closings to support members and to be the representation of First Source FCU.
- Responsible for referring all credit union products and services by determining member needs and uncovering cross sell opportunities.
- Provide financial counseling to the members when necessary
- Work with senior mortgage originators to develop best practices, keeping organized and understanding the workflow. Being accountable to the membership to deliver a smooth process.
- Achieve individual goals and support staff to attain organizational goals.
- Build long term relationships with members utilizing Member Value culture and Universal Behaviors.
- Attend and participate in Real Estate related events and community events (Join committees, attend social functions or educational events, as well as offsite appointments)
- Ensure compliance with federally regulated disclosure requirements, NMLS, and internal BAI courses including but not limited to Bank Secrecy, OFAC, and Privacy.
- Required to attend training sessions as needed
- Required travel as needed
- Perform other duties as assigned
UNIVERSAL BEHAVIORS
Knowledgeable and Experienced
Striving for Operational Consistencies
Rewarding Work Environment
Committed to Member Service
QUALIFICATIONS, SKILLS AND EXPERIENCE
