Mortgage Advisor

People's Credit Union; Middletown (RI); On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

401(k) plan

Roth option

Performance-based incentive

Employee discounts on loan products

Job summary

People's Credit Union in Rhode Island seeks an experienced outside mortgage originator to source and originate residential real estate loans. The role focuses on non-member volume and delivering exceptional service to clients and staff.

You will develop leads through networking with realtors and organizations, interview borrowers, and assemble compliant loan packages while maintaining timely communication and adhering to policies and regulations including SAFE Act and NMLS.

Qualifications

• 5+ years in an outside sales, mortgage origination role.
• Strong knowledge of residential real estate and construction loans.
• Highly organized with the ability to work independently.
• Excellent relationship-building and communication skills.
• Working knowledge of Encompass mortgage LOS preferred.
• Willingness to travel to meet clients as needed.

Responsibilities

• Source and originate residential real estate mortgage loans from members and non-members.
• Develop mortgage origination leads through networking with real estate professionals and organizations.
• Respond to inquiries regarding all types of residential mortgage and construction loans; conduct loan interviews and present financing options.
• Prepare complete loan packages that meet eligibility and investor guidelines and comply with policies and regulations.
• Proactively communicate with clients and internal staff regarding loan status and requirements.
• Adhere to Credit Union policies and government regulations including SAFE Act and NMLS requirements.

Skills

Outside sales

Mortgage origination

Relationship building

Time management

Attention to detail

Encompass experience

Tools

Encompass mortgage LOS

Job description

Position Summary

This outside sales position is responsible for sourcing and originating residential real estate mortgage loans from Credit Union members and non-members, with a particular focus on non-member volume, while providing extraordinary service to both clients and internal staff.

Primary Responsibilities

• Develop mortgage origination leads through personal networking with new prospects, current and former clients, membership in trade organizations (e.g., RI and local Boards of Realtors, RI Mortgage Bankers), and relationships with realtors, settlement agents, builders, developers, etc.
• Respond to inquiries from prospective clients regarding all types of residential mortgage and construction loans. Conduct the loan interview, present financing options, and secure the information necessary to initiate a loan application.
• Prepare complete and accurate loan packages that conform to product eligibility requirements and provide all documentation required by Credit Union policy, procedures, underwriting guidelines, and applicable government regulations including FNMA, FHLMC, and any other applicable investor guidelines.
• Proactively maintain effective and timely communication with clients and internal staff regarding application requests, loan status, loan approvals/denials, and any other concerns.
• Ensure that Mortgage Advisor Client Service Standards are met in the performance of this role.
• Adhere to and demonstrate the behaviors of the Credit Union’s core values – Genuine, Resourceful, Earnest, Empathetic, Trustworthy, and actively work to enhance the member experience.
• Perform all duties in line with all Credit Union policies and state and federal regulations.

National Mortgage Licensing System (NMLS) Registration

• Apply for and successfully maintain NMLS registration.
• Complete all assigned trainings per regulations set forth by SAFE Act.
• Complete annual registration renewal process.

Organization and Planning

Individuals effective at this competency manage their time wisely and can effectively prioritize work and competing goals and tasks. They have a strong understanding of the needs and can look ahead to determine timing and best approach. They are effective at running meetings efficiently, as well as projects.

Individuals who are effective with this competency will be fully present and give undivided attention when someone is speaking. They will give cues both verbally and non‑verbally indicating they are engaged in what someone is saying. When the speaker is finished speaking, they paraphrase to confirm understanding of what was being communicated.

Individuals effective at this competency understand the importance of continued, relevant, and consistent information exchange. They understand that communication is best through different channels and actively seek to provide information using the best medium. They take responsibility for information and ensure that individuals have accurate and current information. They take responsibility for ensuring that any communication is effectively received and that they close the loop on any communications that are unclear.

Influence

Individuals effective at this competency are able to read people and situations to skillfully direct, persuade, and motivate others. They customize their communication to the audience and create trust by transparency, honesty, and dealing with all situations with competence and a sense of fairness.

Results Focused

Individuals effective at this competency are goal focused, and achievements motivate them. They pursue goals and outcomes and have a sense of urgency to achieve results and can balance short‑ and long‑term objectives.

Knowledge and Skills

• Self‑motivated, self‑starter.
• Strong knowledge of residential real estate and construction loans.
• Highly organized with strong ability to work independently.
• Strong time and task management, and prioritization skills.
• Strong relationship building skills with both clients and internal staff.
• Must be capable of dealing calmly and professionally with diverse personalities and exercising the highest level of member service and discretion when dealing with clients, the public, and internal staff.
• Strong attention to detail and ability to communicate clearly with clients and internal staff.
• Working knowledge of Encompass mortgage LOS preferred.
• Aptitude for process/workflow improvement for efficiency and member/peer experience.
• 5+ years in an outside sales, mortgage origination role.
• National Mortgage Licensing System (NMLS) registration required.

Benefits That Support You

• Medical, dental (BCBSRI), and vision (VSP) coverage.
• 401(k) and Roth options with a competitive employer match.
• Performance based incentive (target 4% of salary).
• Employee discounts on loan products.

Time & Flexibility

• Paid day off for annual primary care visit.
• 100% Employee participation in community service in 2025.

Culture & Connection

• Highly engaged workforce – 94% participation in most recent engagement survey.
• Open‑door, “ask anything” culture.
• Employee events and team connection opportunities.

ADA Requirements

Physical Requirements:

• Perform primarily sedentary work with limited physical exertion and regularly lifting up to 10 lbs.
• Must be able to operate routine office equipment.
• Must be able to routinely perform work on a computer for an average of 6–8 hours per day.
• Must be able to work additional hours whenever required or requested by management.
• Must be capable of reliably working a regular schedule and timely response to client and staff needs.

Working Conditions:

• Must be able to routinely perform work indoors at Credit Union locations in a climate‑controlled, shared work area with moderate noise.
• Must be able to work/meet with clients away from Credit Union locations – i.e., public or client‑designated locations (within reason), and maintain adequate transportation.