We are seeking a Mortgage Originator to promote Mortgage Services' real estate loan products and originate loan applications. The ideal candidate will have an Associate's degree or equivalent, a minimum of 3 years of lending experience, and national licensing in compliance with The New York State Banking Law and Regulations and the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act).
Requirements
- Meet the Credit Union's and Mortgage Services' standards for consistent quality customer service
- Review pre-approval applications and issue pre-approval certificates to qualified candidates
- Actively participate in area community lending activities
- Monitor activity through the pipeline process and respond to requests for information and applications in a timely manner
- Perform initial submission to Loan Prospector to obtain decisions and be able to advise applicant of correct fees and documents needed to process the loan
- Demonstrate a full understanding and knowledge of current policies regarding credit, appraisal, PMI and secondary market requirements for mortgage and cross sell product line
- Assist in the development and implementation of the CU's Home Buyers' Seminar
- Promptly respond to members' inquiries, providing accurate information regarding real estate loan programs
- Provide Sales Manager / VP Sales with a regular recap of all contacts made outside of the office in order to solicit mortgage referrals
- Establish rapport with area real estate brokers, soliciting referrals for mortgage applications, providing training seminars for agents, and providing current rates and mortgage program information
- Provide mortgage consultations for members at a suitable location
- Provide assistance to Broadview's branches for mortgage information and application appointments
- Work closely with branch and Call Center staff to provide prompt service to membership
- Recommend to applicants the best program to suit their needs, and advise them of their ability to qualify for a mortgage
- Assist applicants in completing and submitting mortgage loan applications; requesting additional information when necessary
- Discuss problems regarding information received in order to expedite the application processing
- Demonstrate understanding of closing functions and discuss problems with attorney and/or title company
- Attend outside seminars in conjunction with new business development to promote Broadview's products
- Initiate opportunities to cross-sell Broadview's products and services
- Participate in the development of new loan originations procedures under the direction of the Sales Manager / VP Sales
Benefits
- Competitive salary
- Commission based with uncapped earnings potential
- In-house processing, underwriting and servicing
- Competitive pricing
- Plus, a competitive benefits package
