Mortgage Loan Originator

First Commerce Credit Union is currently seeking a Mortgage Loan Originator for its Tallahassee, FL office.

 

General Summary: The primary purpose of this position is to assist First Commerce in fulfilling our Vision To Be Our Member's Financial Partner for Life.  This is achieved through delivering Remarkable Member Service as defined by our Service Standards as well as building and maintaining strong member relationships through identification of member's financial needs and effectively recommending appropriate products and services to meet those needs.

Job Duties:

• The Mortgage Lender is responsible for managing existing client relationships as well as actively seeking and developing new relationships.
• Responsible for the origination of independently sourced residential purchase and refinance loans for sale to the secondary market or CU portfolio. This includes a strong knowledge of government programs (FHLMC, FNMA, FHA, VA, USDA, Rural Development Fund, residential construction and lot lending and portfolio loan guidelines.  Must be able to effectively operate the CU application system, Mortgagebot, and the Mortgage Loan AUS, Encompass. Duties include: Completion of loan applications, performing pre-qualifications, preparing initial disclosures, obtaining and organizing required member documentation for processing, underwriting and conditioning, preparing rate locks, collecting fees and assisting in the processing and closing of loans when needed.  
• Ability to provide extraordinary loan status follow-up by email, phone and meetings with borrowers to discuss loan terms and conditions.  Ability to work in a high volume environment and achieve the personal, departmental and CU goals.  Ability to  prepare worksheets, prepare and maintain loan lead, active loan and closing pipelines
• Responsible for delivering a quality loan portfolio throughout QC process to minimize charge/buy backs, delinquency and charge-offs.
• Cross-sell the CU's deposit and loan products to satisfy member needs and provide and extraordinary member experience.
• Act as resource for credit union staff regarding mortgage loans by answering questions related to mortgage lending policies and procedures, structuring terms and timing.  Assists members with application entry into Mortgagebot and accurately informs members of current rates and promotions.
• Participate in ongoing mortgage lending training; remain current on all applicable federal and state laws, regulations, and guidelines to ensure credit union compliance.  Maintain current knowledge of credit union philosophy and all credit union products and services; comply with all credit union guidelines, policies and procedures.
• Perform job duties in accordance with policies established by the Board of Directors under the rules and regulations set by the National Credit Union Administration, CFPB, RESPA/TILA, other Federal agencies and the State of Florida and State laws of other States where FCCU conducts business.
• Complies with BSA, OFAC, and CIP requirements such as checking names against OFAC for new deposit or loan relationships and issuing cashier checks
• Fully supports in actions and words First Commerce's Vision, Mission, Core Values and Service Standards.
• Contribute to efficient credit union operations by performing duties accurately and in a timely manner.  Must be available evenings and weekends as needed to attend to business development opportunities, hand deliver documents, meet members at their place of business or residence, or to facilitate application process.
• Maintain a professional and courteous attitude with all people, including fellow team members, members, senior management, board members and outside vendors. Cooperate with all credit union staff to ensure a "team effort" and to provide prompt member service. 
• Maintain maximum security over valuables on hand.  Adhere to established security procedures to ensure credit union security is maintained at all times.
• Maintain confidentiality in performing assignments relative to any information received directly or indirectly.  Ensure that all information and transactions regarding credit union members are kept confidential.
• Maintain ongoing communication with Chief Credit Officer, Mortgage Manager, and CLS management, by attending meetings as required to inform them of activity, pertinent service breaks, irregularities, new developments, changes and other important information. 
• Reports to work on time and as scheduled; adheres to facility dress code as well as other policies and procedures specific to the retail financial centers, informs to
• Performs other related duties as assigned in accordance with First Commerce's policies and procedures.

 

REQUIREMENTS: