Mortgage Originator(Regional Remote)

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Position Summary:

Mortgage Originator originates all first mortgage, 1st lien, home equity, and HELOC applications for members and potential members, properly identifying the appropriate product based on member's needs, objectives, and circumstances.

Supervisory Responsibilities:

No direct reports

Essential Functions:

• Take complete and accurate mortgage, 1st lien, Home Equity, and HELOC loan applications for all real estate loan requests, following applicable regulations, policies, procedures, and guidelines.
• Manage individual application pipelines and assist in collecting additional processing documents as needed. Assist in managing pipelines of team members as needed.
• Assist in achieving overall departmental and individual goals by delivering real estate loans per the established service standards of delivery.
• Communicate with all parties concerning the processing loan applications including borrowers/buyers, realtors, builders, inspectors, etc.
• Negotiate terms and conditions of real estate loans with borrowers.

Required Skills / Abilities:

• Demonstrated dedication to positive, member-focused service.
• Must meet loan originator standards under the Truth in Lending Act.
• Ability to meet all standards under the SAFE Act and be registered as a mortgage loan originator through the NMLS
• Ability to pass FBI background check.
• Strong interpersonal and communication skills to ensure member related issues are handled in a fair, consistent manner.
• Strong sales skills.
• Ability to function well in a high volume, fast paced environment.
• Ability to work through member situations and provide effective and accurate resolutions.
• Strong organizational skills and attention to detail.
• Proven ability to meet deadlines.
• Proficient with Microsoft Office Suite and mortgage origination systems.
• Ability to travel.
• Ability to network with realtors if the opportunity presents itself.
• Ability to participate in member educational activities.
• Knowledge and understanding of different loan types and products.

Education / Experience:

• Bachelor's degree in business administration or related discipline or equivalent experience.
• Three plus years of real estate lending origination experience, specifically conventional mortgage origination following Fannie Mae or Freddie Mac guidelines.
• Two plus years real estate lending origination experience, specifically in home equity and HELOC origination, with demonstrated sales experience.
• Experience in using an automated loan origination systems including automated underwriting platforms.
• Working knowledge of standard real estate products in the industry and strong knowledge of underwriting guidelines and regulations.
• Experience with government programs such as FHA/VA is a plus.

Diamond Credit Union complies with all laws related to equal employment opportunity. It is the policy of the Credit Union to not discriminate against any employee or applicant because of sex (including gender identity, gender expression, sexual orientation, pregnancy, and pregnancy related decisions). Diamond Credit Union will not engage in any discriminatory employment practices based on race, color, religion, gender, age, national origin, ancestry, veteran status, disability, or any other characteristics protected by law.