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

• Proactively solicit new residential mortgage business through internal and external sources in an assigned geographic area
• Participate in business development opportunities, professional organizations, and community efforts to promote homeownership
• Ensure compliance with third-party agencies, vendors, company policies and procedures, and federal/state regulations
• Provide exceptional customer service throughout the loan origination process
• Interact professionally with team members and other departments
• Submit complete credit applications with supporting documentation
• Develop and maintain relationships with internal and external referral sources
• Prospect new mortgage lending opportunities
• Facilitate communication with customers and referral sources during loan origination
• Review applications, credit files, and customer qualifications to determine appropriate loan products and pricing
• Counsel and coach loan applicants toward their goals and suitable loan products
• Request timely loan rate locks for Secondary Marketing
• Maintain current knowledge of loan products and secondary market rules
• Achieve production and quality goals
• Cross-sell other Northwest products and services to loan applicants
• Work as part of a team

• Originate mortgage loans in an assigned metropolitan territory
• Take mortgage loan applications
• Conduct preliminary underwriting reviews
• Submit loan applications to processing and underwriting for approval
• Follow up to ensure documents required for processing, underwriting, and closing are secured promptly from appropriate sources
• Solicit loan sales and conduct sales-related activities away from U.S. Bank locations
• Travel and drive at least two hours per week
• Work onsite at least three days per week when located near a U.S. Bank location

• 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

• Proactively solicit new residential mortgage business through internal and external sources in an assigned geographic area
• Participate in business development opportunities, professional organizations, and community efforts to promote homeownership
• Ensure compliance with third-party agencies, vendors, company policies and procedures, and federal/state regulations
• Provide an exceptional customer service experience throughout the loan origination process
• Interact professionally with team members and other departments
• Submit complete credit applications with supporting documentation
• Develop and maintain relationships with internal and external referral sources
• Prospect new mortgage lending opportunities
• Facilitate communication with customers and referral sources during loan origination
• Review applications, credit files, and customer qualifications to determine appropriate loan products and pricing
• Counsel and coach applicants toward their goals and suitable loan products
• Request timely loan rate locks for Secondary Marketing
• Maintain current knowledge of loan products and secondary market rules
• Achieve production and quality goals
• Cross-sell other Northwest products and services to loan applicants
• Work as part of a team

• Sell and market Truist Mortgage Loan products within bank policies and procedures
• Execute mortgage marketing and development plans to meet or exceed mortgage production goals
• Maintain thorough knowledge of Mortgage Strategies, Policies and Procedures, and secondary market investor guidelines used by Truist
• Comply with Truist policies, procedures, and applicable state and federal laws
• Provide mortgage clients with advice based on their needs and Truist Mortgage products and benefits
• Refer mortgage clients to other bank solutions, including qualifying packages of services and insurance products
• Assist Mortgage Loan Fulfillment with client, attorney, or appraiser document follow-up identified through quality control or post-closing review

Retail Mortgage Loan Originator

• Cultivates mortgage loans and other business through relationship development with realtors, builders, title companies, and others within the community
• Originates mortgage loan applications
• Negotiates loan terms and rates
• Obtains customers’ vital information and provides expert advice on product options
• Provides required disclosures and notices in compliance with mortgage-related regulations
• Secures interest rate lock-ins with investors
• Manages the pipeline to protect the bank from interest rate risk
• Ensures departmental documents and activities comply with applicable laws, regulations, policies, and procedures
• Completes required compliance training
• Performs other assigned duties

• Proactively solicit new residential mortgage business through internal and external sources in an assigned geographic area
• Participate in business development opportunities, professional organizations, and community efforts promoting homeownership
• Ensure compliance with third-party agencies, vendors, company policies, procedures, and federal/state regulations
• Provide an exceptional customer service experience throughout the loan origination process
• Interact professionally with team members and other departments
• Submit complete credit applications with supporting documentation
• Develop and maintain relationships with internal and external referral sources
• Prospect new mortgage lending opportunities
• Facilitate communication with customers and referral sources during loan origination
• Review applications, credit files, and customer qualifications to determine appropriate loan products and pricing
• Counsel and coach loan applicants toward their goals and suitable loan products
• Request timely loan rate locks for Secondary Marketing
• Maintain current knowledge of loan products and secondary market rules
• Achieve production and quality goals
• Cross-sell other Northwest products and services to loan applicants
• Work as part of a team

• Originate mortgage loans in an assigned metropolitan territory
• Take mortgage loan applications
• Conduct preliminary underwriting reviews
• Submit loan applications to processing and underwriting for approval
• Follow up to secure documents required for processing, underwriting, and closing in a timely manner
• Make and solicit loan sales and conduct sales-related activities away from U.S. Bank locations
• Travel and drive at least two hours per week

• Execute mortgage marketing and development plans to meet or exceed agreed-upon mortgage production goals
• Maintain thorough knowledge of Mortgage Strategies, Policies and Procedures and secondary-market investor guidelines utilized by Truist
• Comply with Truist policies and procedures and applicable state and federal laws
• Provide mortgage clients with advice based on their needs and Truist Mortgage products and benefits
• Introduce mortgage clients to other bank solutions through Truist's referral process
• Assist Mortgage Loan Fulfillment with client, attorney, or appraiser document follow-up identified through quality control or post-closing review
• Sell and market Truist Mortgage Loan products within bank policies and procedures
• Make consistent, effective referrals of mortgage clients for other bank services and insurance products