Mortgage Loan Originator

Title: Mortgage Loan Originator

Reports to: Chief Sales Officer

Supervises: None

Status: Non-Exempt

Objective

The Mortgage Loan Originator is a results-driven position responsible for performing a broad variety of Member focused sales and service-related activities related to mortgage lending that helps enrich the financial lives of our member. This high-contact sales position requires the ability to deal effectively with Members and other KEMBA Associates in person, by telephone and in writing.

Duties and Responsibilities

• Develops new and existing mortgage and home equity business

• Actively promotes the Credit Union’s full line of products and financial services in person, over the phone and electronically

• Prepares all loan papers to submit for approval to loan underwriters or mortgage processing vendor

• Ensures that all loan procedures are followed and are within the policy guidelines

• Maintains awareness in the field of credit granting regarding government agencies, regulation, data processing requirements and future development; keeps up to date on changes in the mortgage loan industry and legislation that would affect mortgage lending

• Works to maximize Member satisfaction by providing optimum service and handles difficult Member problems

• Possesses a working knowledge of FNMA standards
• Registers with the Nationwide Mortgage Licensing System (NMLS) as a Mortgage Loan Originator (MLO) and maintains and renews the registration in addition to completing related compliance training as directed by KEMBA

• Keeps abreast of changes to mortgage loans from mortgage processing vendors, acts as liaison between Members and mortgage processing vendor

• Works with other mortgage lending institutions and title companies on behalf of Members

• Develops an understanding of Credit Union history, philosophy, organization, policies, and operational procedures
• On a self-directed basis, continue to improve individual level of competency through training and certification on established educational programs

• Must be able to relate to other people beyond giving and receiving instructions:

• Can get along with coworkers or peers without exhibiting behavioral extremes
• Perform work activities requiring negotiating, instructing, supervising, persuading, or speaking with others
• Respond appropriately to criticism from a supervisor

• Performs other duties as required by management

Required Qualifications

• Minimum of one year or more experience in mortgage lending
• College degree or combination of equivalent education and experience
• Knowledge of lending products/regulations
• Demonstrated sound lending judgment
• Ability to work in a fast-paced environment
• Ability to manage multiple tasks
• Strong organizational skills and attention to detail
• Must value a high degree of accuracy
• Professional demeanor
• Effective communication skills
• Basic PC skills (Windows)
• Basic math skills
• Assertive problem-solving skills
• Ability to work well independently or as part of a team

Physical Demands

The physical demands listed below represent those necessary to perform the essential functions of this role. Reasonable accommodation may