Mortgage Loan Originator/Processor        

• Process applications and verify accuracy for second mortgage open‐end and closed‐end loans; conduct loan interviews with members when necessary. Follow‐up with members to obtain any documentation.
• Return calls and voicemails within a 24-hour business period.
• Provide all applicable disclosures for both fixed‐ and variable‐rate loans.
• Calculate closing costs and provide a good faith estimate for closing costs to members.
• Process loan to include verification of employment, deposit accounts, and all liabilities in order to prepare application of verified information.
• Order and check credit report to determine credit worthiness of applicant based on industry standards for collateral/equity value.
• Approve or deny second mortgage open‐end and closed‐end loan applications under authority delegated by policy.
• Request and evaluate real‐estate appraisal to ensure proper guidelines are followed and final value is properly determined.
• Request flood certification to determine if property is or is not in a flood zone.
• Order title work from attorney.
• Obtain copy of current homeowner’s insurance and flood insurance (if applicable) and make sure mortgage clause is in favor of credit union.
• Establish repayment and interest schedule based upon loan guidelines and rates.
• Prepare closing package, researching and resolving all items in the closing package to ensure closing process is on time and documentation is complete and accurate.
• Originators/Processors must understand and are accountable for executing all job functions in a way that is consistent with all requirements for Federal/State regulatory guidelines, BSA, OFAC and the USA Patriot Act/Customer Identification Act (CIP). Note: Failure to comply with requirements may be subject to strong disciplinary action, up to and including termination by the credit union, as well as civil and criminal penalties.

• Ability to solve problems within established policies and procedures
• Ability to accept and perform new job responsibilities as needed
• Excellent communication skills (oral, written and listening), professional appearance and positive attitude
• Basic math skills required (ability to add, subtract, multiply, and divide using whole numbers, common fractions, and decimals)
• Have a thorough knowledge of Mortgage Lending Compliance and Lending Regulations.
• Good working knowledge of credit models and credit scoring

• High school diploma or equivalent and at least two years of related work experience, preferably in a financial institution
• Math Ability – Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
• Reasoning Ability – Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Computer Skills – MS Word, Excel, Outlook, and PowerPoint.

• Must possess strong basic math skills, accuracy and attention to detail
• Must demonstrate an ability to understand and implement changing policies and procedures.
• Exceptional oral and written communication skills required.
• Must possess interpersonal skills including courtesy, tact, and diplomacy as they are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

• Must successfully complete BSA training as required
• Employee must be bondable (insurable)

• Primarily in-door office work with quiet to moderate noise level.
• Occasional work outside the office.
• Occasional travel for business-related functions.
• Occasional evening and weekend schedules required.

• This is a full-time position. Days and hours of work are Monday through Thursday 8:00 a.m. to 5:00 p.m., Friday 8:00 a.m. to 5:30 p.m. and occasional Saturdays from 9:00 a.m. until 1:00 p.m. Saturday rotation required; May also require occasional travel for training as needed. Hours may change without notice.

• U.S. Citizenship
• Successfully passing a drug test for illegal drugs
• Successfully passing a background investigation

• 401K, With employee match and profit shares.
• Medical, Dental, Vision, Life, STD, LTD
• Paid Holidays
• Employee Education Assistance Program (Tuition Reimbursement). Contract required with Terms and Conditions.
• 16 Days of PTO (Paid time off) that begins accruing day one. (usable after 90 days)
• Employee Assistance Program (EAP)