Mortgage Loan Originator

Overview
We are seeking a motivated and detail-oriented Mortgage Loan Originator to join our dynamic team. In this role, you will be responsible for guiding clients through the mortgage application process, providing exceptional customer service, and ensuring compliance with financial regulations. The ideal candidate will possess strong financial sales skills and a thorough understanding of the mortgage industry.

PRIMARY RESPONSIBILITIES

• Establishes relationships with realtors and other real estate sellers in order to generate mortgages for Sharefax.
• Attend referral networking events to grow referral sources.
• Provide training to borrowers and referral partners through sales calls and seminars.
• Provides information on mortgage products and services to members and realtors according to all credit union policies and procedures and Federal and State rules and regulations.
• Interview applicants .and assist members with the loan application process.
• Obtain and evaluate credit bureau reports on applicants.
• Ensure that each real estate loan is processed accurately.
• Works with loan officers and mortgage underwriters to secure all required documents.

ESSENTIAL FUNCTIONS

The functions listed describe the business purpose of this job. Specific duties or tasks may vary. Additional duties may be assigned, and functions may be modified, according to business necessity.

All functions, duties or tasks are to be carried out in an ethical and professional manner, and to be performed in conformance with applicable credit union policies and procedures. In the event of uncertainty or lack of knowledge of company policies and procedures, employees are required to request clarification or explanations from their superiors or management.

• Establishes relationships with realtors and other real estate sellers & associations.
• Assists members with the loan application process.
• Generates mortgage loan opportunities for the credit union via realtor contacts and associations.
• Works with loan originators or production staff to secure all required documents.
• Ensures the transaction adheres to mortgage lending regulations and appropriate credit policies.
• Conducts Sharefax Credit Union seminars/training and other lead-generating activities.
• Communicates with loan officers to resolve any issues regarding mortgage loan application problems.
• Promotes the credit union brand, identifies new growth opportunities, and recognizes relevant trends in both established and developing markets.
• Performs all job duties and maintains compliance with all banking acts, laws and regulations applicable to job function.
• Must demonstrate commitment, dependability and respect for other employees with regular attendance, punctuality and adherence to agreed-upon schedule of availability.
• Must obtain NMLS registration

MINIMUM QUALIFICATIONS AT ENTRY

Additional qualifications may be specified and receive preference, depending upon the nature of the position.

Education/Experience:

• High school diploma or GED required.
• Bachelor's degree preferred.
• 2 years’ experience in first mortgage lending required Preference will be given to candidate with established referral network.

Competencies (as demonstrated through experience, training, and/or testing):

• Demonstrated knowledge of mathematical concepts including computation rates, ratios, percentages, averages and reconciliation.
• Ability to interpret instructions furnished in written, oral, diagrammatical, or schedule form.
• Ability to use personal computers and office productivity software.
• Ability to communicate clearly and concisely.
• Ability to interact effectively at all levels and across diverse cultures.
• Ability to be an effective team member and handle projects responsibly.
• A cooperative, positive attitude in relations with members and other employees.
• Planning, organizing, and project coordination skills.

WORKING CONDITIONS (Physical/Mental Demands)

With or without reasonable accommodation, requires the physical and mental capacity to perform effectively all essential functions. In addition to other demands, the demands of the job could include:

Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Repetitive motion. Substantial movements (motions) of the wrists, hands, and/or fingers. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.

Join us as we help individuals achieve their homeownership dreams while advancing your career in the thriving field of mortgage lending.

Job Type: Full-time

Pay: $48,380.00 - $71,580.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Employee discount
• Health insurance
• Health savings account
• Life insurance
• Opportunities for advancement
• Referral program
• Retirement plan
• Tuition reimbursement
• Vision insurance

Compensation Package:

• Bonus opportunities

Schedule:

• 8 hour shift
• Monday to Friday
• No nights
• Weekends as needed

Experience:

• Fair Housing regulations: 1 year (Preferred)
• Loan origination: 1 year (Preferred)
• Sales: 1 year (Preferred)

Ability to Commute:

• Cincinnati, OH 45245 (Required)

Ability to Relocate:

• Cincinnati, OH 45245: Relocate before starting work (Required)

Work Location: In person

Salary : $48,380 - $71,580