MORTGAGE LOAN ORIGINATOR |
| April 04, 2012 - April 20, 2012 |
| Location: | Tallahassee, FL |
| Exempt/Non-Exempt: | Non-Exempt |
| Benefits: | Health, Dental, Life, 401K, Vision, etc. |
| Employment Type: | Full Time |
| Department: | RWF Mortgage |
| Description: | General Summary: Develops and maintains business relationships with members, realtors, and builders to increase the credit union’s source of mortgage business. Processes and services a full range of mortgage loan products. Contributes to the success of the credit union by providing prompt, efficient, accurate and friendly service to members, business partners and internal team members. |
| Duties: | Job Duties:
1. Will 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 and State of Florida.
2. Complies with BSA, OFAC, and CIP requirements such as checking vendor names against OFAC lists.
3. Responsible for developing relationships with membership base as well as outside the branch network by calling on realtors, builders, and other contractors. Coordinates and participates in realtor functions and other real estate-oriented organizational activities.
4. Pre-qualify members to determine proper loan program, complete loan applications, and keep members informed of loan status. Prepares disclosures, and obtains all necessary supporting documents, including appropriate up-front fees. Assist CLSC to insure processing goes smoothly for member and that all documents are properly prepared prior to underwriting submission and closing.
5. Act as resource for credit union staff regarding mortgage loans by answering questions related to mortgage lending policies and procedures. Accurately inform members of current rates and promotions; effectively cross sell all credit union products and services.
6. 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.
7. Present real estate seminars for members, the community, and Realtors; submits articles to real estate publications; in order to educate and increase exposure.
8. 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.
9. 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.
10. Maintain maximum security over valuables on hand. Adhere to established security procedures to ensure credit union security is maintained at all times.
11. 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.
12. Maintain ongoing communication with Director of Lending and CLS management, informing them of all pertinent problems, irregularities, new developments, changes and other important information within area of responsibility.
13. Report to work on time and as scheduled.
14. Perform other duties as needed or assigned.
15. Must comply with all federal and state regulations.
16. Attends meetings as required; reports to work on time and as scheduled; adheres to facility dress code
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| Qualifications: | REQUIREMENTS:
Education – 2 years of college-level courses in finance, accounting or business and/or CUNA courses on lending, including mortgage lending or equivalent AIB courses.
Experience – 3 years of experience in a financial institution or with a mortgage broker. Must include at least one year of mortgage lending experience.
Skills – Knowledge of credit union mortgage loan products and services. Knowledge of and ability to cross- sell credit union deposit and other loan products. Superior communication and interpersonal skills in order to consistently and properly match member needs with credit union mortgage products. Ability to provide consistently courteous and positive member service as well as the ability to keep and foster the credit union’s core values. Thorough knowledge of credit reporting to correctly analyze an applicant’s credit status. Ability to complete in-class and online training as required by law or by the credit union.
Other – Must meet the minimum requirements to be Federally Registered under the National Mortgage License System.
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