Role:

Develop and originate residential mortgage loan business through member referrals, business development activities, community involvement, and strategic referral partnerships. Consult and counsel with members to evaluate financing needs, recommend appropriate mortgage solutions, guide borrowers through the mortgage process, and deliver an exceptional member experience while ensuring compliance with all applicable regulatory and secondary market requirements.

This position is eligible for remote work.

Essential Functions & Responsibilities:

• E 50%: Originate and submit loan for processing and decision within set upon timeline; communicate disposition to member.
• E 30%: Develop and maintain referral relationships with real estate professionals, builders, financial advisors, attorneys, employers, and community organizations to generate mortgage lending opportunities. Represents the Credit Union at networking events, educational seminars, homebuyer workshops, and community outreach activities.
• E 5%: Evaluates acceptability of mortgage loan to ensure it meets secondary mortgage requirements.
• E 5%: Cross-sell other credit union services.
• E 5%: Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.
• E 5%: Performs other related duties as assigned.

Performance Measurements:

1. Must comply with government and other regulations affecting the credit union industry including, but not limited to, OFAC and the Bank Secrecy Act.
2. Meets or exceeds performance expectations as described in Essential Functions and Responsibilities.
3. Please refer to Annual Performance Goal document for remaining Performance Measurements.

Knowledge and Skills:

Experience

Three years to five years of similar or related experience.

Education

(1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

Interpersonal Skills

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills

As a condition of employment, must be registered on the Nationwide Mortgage Licensing System (NMLS) and registry. Failure to maintain and/or renew your registration would be a cause to discontinue employment. Knowledge of the secondary market and experience with first and second mortgage residential real estate lending. Must have good communication skills. Skill and ability to use and operate a keyboard, computer/laptop, calculator, copier/scanner and telephone. Skill and ability to read and understand financial statements, contracts, applications, computer printouts, manuals and other related materials. Proficiency in mortgage loan origination systems (LOS), CRM platforms, Microsoft 365 applications, video conferencing technology, electronic signature platforms, and digital document management systems.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle controls; and talk or hear. The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, or kneel. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

Work Environment

Work is performed indoors in an office environment with normal potential for exposure to safety and health hazards. May periodically travel to other, similar sites. The noise level in the work environment is usually moderate.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.