Branch Mortgage Loan Originator

When joining Elevations, you can expect to work for a company with:

• A leadership team that strives to make this the best place you’ve ever worked!
• A focus on supporting our employees’ mental, physical, and financial well-being
• A commitment to diversity, equity, and inclusion recognized by the Denver Business Journal and Colorado Association of Realtors
• A highly engaged workforce devoted to innovation, continuous improvement, and collaboration
• A reputation for excellence, as evidenced by being a two-time recipient of the Malcolm Baldrige National Quality Award
• A passion for consistently providing amazing experiences and creating raving fans

When joining Elevations, you can expect to work for a company with: A leadership team that strives to make this the best place you’ve ever worked! A focus on supporting our employees’ mental, physical, and financial well-being. A commitment to diversity, equity, and inclusion recognized by the Denver Business Journal and Colorado Association of Realtors. A highly engaged workforce devoted to innovation, continuous improvement, and collaboration. A reputation for excellence, as evidenced by being a two-time recipient of the Malcolm Baldrige National Quality Award. A passion for consistently providing amazing experiences and creating raving fans.

Location

On-site: Elevations Lafayette Branch Location

Summary/Objective

The Mortgage Loan Originator-Branch (MLOB) supports retail branches by originating first and second mortgages through retail referrals. They are organized, self-motivated, and possess strong communication skills, building effective relationships with both branch staff and members. The MLOB trains and supports retail staff in identifying members’ mortgage needs. They counsel members, take applications, perform preliminary underwriting, and submit files to processing and underwriting for approval. As the primary point of contact, the MLOB works closely with members and realtors to ensure all required documents for processing, underwriting, and closing are collected promptly.

Essential Functions

• Meet with members to gather financial and personal information, assess their mortgage needs, and recommend suitable loan products. Use active listening and consultative techniques to understand member goals, explain available options, and guide them toward informed borrowing decisions that align with their financial situation.
• Monitor on-line queue of member originated loans, input member loan applications into on-line loan system, reviews files for completeness and accuracy, and delivers TIL disclosures within 72 hours of application date
• Communicate with loan processors and closers regarding any outstanding items and/or additional documentation needed
• Request additional information needed from member, communicate terms and conditions of loan approvals, and assist with processing and loan closing member coordination
• Identify opportunities to cross-sell additional credit union products to ensure a holistic approach to member financial wellness
• Keep informed of current trends in mortgage lending and market factors affecting mortgage lending
• Partner with the branch manager, attend branch meetings when appropriate, help coach branch staff to identify potential mortgage opportunities for members and educate retail staff about mortgages.

Reports To

Mortgage Sales Manager

Manages

This role does not have supervisory responsibility.

Required Skills, Education and Experience

• High School or equivalent
• Minimum of two years mortgage experience as a Mortgage Loan Originator or Mortgage Loan Assistant III or higher
• Adheres to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA)

Preferred Skills, Education and Experience

• Experience with FNMA Desktop Underwriter, FHLMC, FHA, and VA, Encompass and Mortgage processing systems desired.

Work Environment

Elevations uses multi-factor authentication to keep our data safe. As such, a personal smartphone is a requirement for employment with us. This job operates in an office setting and routinely uses standard office equipment.

Physical Requirements

• All other positions: Sitting frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10 lbs of force occasionally to lift, carry, push, pull, or move objects

Position Type/Expected Hours of Work

Full time / 40 hours per week

Compensation

The person hired into this position will likely earn between $21.44/hr. and $26.78/hr. plus incentive. 

Actual compensation offered may vary from the post