Mortgage Loan Originator

Talentify; Jacksonville (FL); On-site; USD 55,000 - 85,000; Full time

Benefits offered by this job

Incentive opportunities

Paid Holidays

Paid Time Off

Medical, Dental and Vision Insurance

401(k) retirement with matching funds

Employer paid Life Insurance, Short/LL

Long Term Disability Insurance

Tuition Reimbursement Program

Job summary

Liberty FCU is seeking an experienced Mortgage Loan Originator to join the lending team in the Jacksonville, FL area. The role focuses on self-generated business development, loan interviews, and credit evaluation to structure suitable residential mortgage loans.

The candidate should have 2–3 years of mortgage origination experience, strong communication skills, and a solid understanding of loan products and regulatory requirements.

Qualifications

• Bachelor's degree preferred.
• 2-3 years of mortgage origination experience preferred.
• Excellent communication skills to discuss loan details with clients.
• Strong mathematical and statistical analysis ability.
• Solid knowledge of terms and conditions of varying loans.
• Strong logical thinking.
• Ability to stay updated on loan reforms and laws.
• Ability to obtain federal registration/NMLS.

Responsibilities

• Conduct loan interviews, discuss programs, explain processes, and request documents for approval.
• Evaluate credit of prospective borrowers for qualification.
• Pursue leads and contact prospective borrower leads via phone, email or in person.
• Evaluate borrowers' financial status to propose appropriate residential mortgage loans.
• Understand and apply Federal and NCUA regulations related to mortgage lending.
• Make sales calls with borrowers to explain options and help decisions.
• Maintain knowledge of loan products, processing, and underwriting guidelines.
• Prospect and network with realtors, builders and referral partners.

Skills

Mortgage origination

Client communication

Financial analysis

NMLS registration

Networking with referral partners

Regulatory knowledge

Education

Bachelor's degree

Job description

Liberty FCU, a full-service credit union, is currently seeking an experienced Mortgage Loan Originator to join their lending team. The position will be located in the Jacksonville, FL area. The successful candidate must have excellent communication skills, attention to detail and have the ability to multitask in a fast-paced environment. The ability to initiate and develop mortgage loan business through self-generating activities is required. Experience with mortgage loan sales is required.

Duties and responsibilities include but are not limited to the following:

• Conduct loan interviews, discuss programs, explain processes, and request supporting documentation for loan approval.
• Evaluate credit of prospective borrowers for qualification purposes.
• Diligently pursue leads provided.
• Contact prospective borrower leads via telephone, email, or face to face.
• Evaluate credit and financial status of prospective borrower to determine appropriate residential mortgage loan proposal.
• Understand and apply all Federal and NCUA regulatory rules and regulations associated with mortgage lending.
• Makes sales calls routinely through face to face and phone contact with borrowers, ensuring clear understanding of options and informed decisions to best suit borrower's needs.
• Maintain knowledge of available loan products, processing procedures and underwriting guidelines.
• Prospect and network, building relationships with realtors, builders and other referral partners.

Qualifications:

• Bachelor's degree preferred.
• 2-3 years of mortgage origination experience is preferred.
• Excellent communication skills to talk to clients about loan particulars and their personal financial details.
• Excellent mathematical and statistical analysis ability.
• A sound knowledge of the terms and conditions of different kinds of loans.
• Strong logical thinking.
• Ability to keep updated on new loan reforms and laws.
• Ability to obtain federal registration/NMLS.

Benefits and Compensation:

• Incentive opportunities
• Paid Holidays
• Paid Time Off (Vacation, Sick and Personal Days)
• Medical, Dental and Vision Insurance
• 401(k) retirement program with matching funds
• Employer paid Group Term Life Insurance, Short Term and Long Term Disability Insurance
• Tuition Reimbursement Program

Reporting relationships:

This position reports to the RVP of Sales or local Mortgage Sales Manager and has no direct reports.

Liberty FCU is an Equal Opportunity Employer, Minority/Female/Disability/Protected Veteran.