Mortgage Loan Originator

• Proactively follow up on warm leads, referrals, and member inquiries
• Educate members on home equity and first trust deed mortgage options, loan terms, documentation requirements, and the lending process
• Recommend solutions aligned with members’ financial needs to meet or exceed monthly home equity funding targets
• Maintain high conversion rates through consistent outreach, timely communication, and needs-based recommendations
• Build trust and rapport through empathy, transparency, and excellent service
• Submit complete and accurate loan applications into Encompass and Opening Act
• Coordinate with processors, underwriters, and funders to ensure an efficient loan process
• Monitor loan status and resolve issues that could delay closing
• Provide stakeholder updates and high-touch service from end to end
• Ensure compliance with mortgage regulations including RESPA, Reg Z, and TRID, and internal policies
• Maintain knowledge of mortgage guidelines, investor policies, and First Entertainment Credit Union products
• Participate in seminars, webinars, and community-facing events to promote lending services and generate new business
• Uphold First Entertainment Credit Union’s mission and core values

• Originate residential first mortgage loans from outside referrals
• Meet mortgage loan sales and cross-selling objectives
• Develop referral contacts including realtors, builders, and professional and personal contacts
• Maintain knowledge of mortgage policies, loan products, processing procedures, underwriting guidelines, and departmental procedures
• Follow defined protocols for escalating exceptions
• Take applicant applications by completing Fannie Mae Form 1003
• Use the laptop for communication, daily rates, applicant credit reports, Loan Prospector responses, and transmitting loans to LOMAS
• Collect applicant documentation and deliver loan packages within management-set timeframes
• Manage the pipeline of originated loans through closing and complete required management reports
• Communicate timely updates and progress reports to branches and applicants
• Maintain high customer service while managing applicant and support staff expectations
• Attend required Consumer Lending meetings
• Assume overall responsibility for residential mortgage loans from application through closing
• Identify, assess, manage, monitor, and report risks in accordance with the Bank’s risk appetite