Direct to Consumer Loan Originator

MIDFLORIDA Credit Union; Lakeland (FL); On-site; USD 40,000 - 65,000; Full time

Job summary

MIDFLORIDA Credit Union in Lakeland, FL, is seeking a Direct to Consumer Loan Originator to work in-office and guide members through mortgage options. You will manage a high-volume loan pipeline, educate borrowers on rates and terms, and maintain CRM records to facilitate timely closings.

Requirements include 1–3 years of mortgage origination experience, Encompass familiarity preferred, and knowledge of federal and state mortgage regulations.

Qualifications

• 1–3 years of Mortgage Origination experience.
• Proven sales experience and strong relationship building.
• Encompass experience preferred.
• Construction-to-Permanent loan origination experience a plus.
• Call center experience preferred.
• Thorough understanding of federal and state mortgage regulations.
• Proficient with Word and Excel.
• Excellent time management and multitasking skills.
• Eligible to meet SAFE Act requirements for NMLS.
• In-office position, not remote; additional trainings as required.

Responsibilities

• Engage with members and manage a high volume of mortgage leads to drive production.
• Manage loan pipeline daily and maintain accurate CRM records.
• Educate borrowers on mortgage products, rates, and terms.
• Review files for accuracy and regulatory compliance.
• Collaborate with processors, underwriters, and mortgage staff to close loans timely.
• Exhibit integrity, professionalism, and customer-focused service.

Skills

Sales experience

Relationship building

Time management

Multi-tasking

Decision-making

Communication

Education

High School Diploma or equivalent

Tools

Encompass

Word

Excel

Job description

Job Details

Job DetailsJob Location: Lakeland, FL 33809Position Type: Full TimeWhy have a job when you can build a career? We are proud to be defined by the excellent service and convenience offered to our members, as well as our diverse workforce and company culture. There are many reasons to work for MIDFLORIDA, which is probably why we were voted one of Florida Trend's "Best Places To Work." MIDFLORIDA offers a positive team culture, an open door management style, a commitment to diversity, stability, competitive benefits, and a career path with a growing, successful company! Join us on our mission to improve the financial well-being of our members!

Direct to Consumer Loan Originators perform the following functions:

• Engage with members through digital channels with company generated sales leads to enhance loan production, advertise and sale MIDFLORIDAs Mortgage products and services.
• Loan Originators should be expected to manage a high volume of quality, dedicated leads.
• Loan Originators are expected to manage their loan pipeline on a daily basis.
• Identify the best loan solutions for borrowers by educating them on various mortgage products, interest rates, and loan terms.
• Maintain accurate records of borrower interactions and loan progress in the CRM and loan origination systems.
• Review loan files for accuracy, completeness, and compliance with secondary market guidelines.
• Stay up to date with industry trends, lending regulations, and products to offer relevant and knowledgeable guidance to borrowers.
• Work closely with processors, originators, underwriters, and mortgage staff to facilitate timely and efficient closings.
• Professional and efficient communications with all departments promoting synergy.
• Exhibit a high degree of integrity, trustworthiness, and professionalism always.
• Exude a positive and professional attitude with members and partners consistently.
• Perform other duties as assigned.

QualificationsQualifications include:

• 1 to 3 years’ experience with Mortgage Origination.
• Proven sales experience and strong relationship building.
• Encompass experience Preferred.
• Construction to Permanent loan origination experience is a plus.
• Call center experience is preferred.
• Thorough understanding of Federal and State mortgage regulations.
• Proficient with Word and Excel .
• Exceptional time management skills .
• Strong multi-tasking and sound decision-making skills.
• The eligibility to meet the requirements of the SAFE Act to be registered with NMLS.
• Availability to work Monday through Friday between 8:00 AM and 8:00 PM with rotating Saturdays.
• Ability to train in Lakeland, Tampa or Sebring areas for 6-8 weeks.
• High School Diploma or equivalent is required.
• Position is “In office, NOT a remote position.