Mortgage Loan Originator - Carbondale IL

SIU Credit Union; Carbondale (IL); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Paid time off

Paid holidays

401(k) profit share

Job summary

SIU Credit Union is seeking a Mortgage Loan Originator in Carbondale, IL. You will guide members from initial interview through underwriting to closing, offering expert counseling and ensuring accurate compliance.

The role combines technical processing with high-touch member service, requiring knowledge of mortgage products, regulatory rules, and the ability to coordinate with internal teams for timely closings.

Qualifications

• High school diploma or equivalent required.
• Active NMLS registration required.
• Experience with loan documents preferred.
• Strong written and verbal communication skills.

Responsibilities

• Conduct borrower interviews, quote rates, and provide credit counseling.
• Manage loan applications from intake to closing.
• Verify income, order appraisals and title commitments, and prepare final documents.
• Approve or deny first mortgages and home equity loans within limits.
• Coordinate closings and disburse funds for in-house and secondary market loans.
• Ensure compliance with RESPA and HMDA requirements.

Skills

Decision making

Communication

Policy recommendations

PC software

Education

High school diploma or equivalent

Active NMLS registration

Tools

NMLS

Job description

Turning Homeownership Dreams into Reality

Are you a detail-oriented professional with a knack for financial counseling? As our Mortgage Loan Originator, you are the primary guide for members navigating the path to a new home or leveraging their home’s equity. You’ll handle the entire journey—from the first interview and credit counseling to underwriting and the final closing signature. If you enjoy a role that combines technical processing with a high-touch, personal approach to member service, you’ll find a perfect fit in our Mortgage Lending team.

About SIU Credit Union We are built on a simple idea: "People Helping People." We're working for you, our members, and our neighbors to keep our community’s finances strong. We believe in building a supportive environment where we all work together to help Southern Illinois grow.

Position Purpose

The Mortgage Loan Originator manages the full lifecycle of real estate and home equity loans, providing expert borrower consultation and credit counseling while ensuring technical accuracy in underwriting, regulatory compliance (HMDA/RESPA), and secondary market delivery.

What You’ll Do

• Expert Consultation: Conduct interviews to qualify borrowers, quote rates, and provide credit counseling to help members improve their future loan eligibility.
• Full-Cycle Processing: Manage applications from start to finish—verifying income, ordering appraisals and title commitments, and preparing final loan documents.
• Lending Authority: Approve or deny first mortgages and home equity loans within Board-designated limits, ensuring every decision is sound and well-documented.
• Closing & Disbursal: Facilitate professional loan closings and manage the disbursal of funds for both in-house and secondary market loans.
• Compliance Stewardship: Ensure 100% adherence to RESPA and HMDA requirements, including timely disclosures and mandatory legal mailings.
• Secondary Market Coordination: Package final loan files for secondary market partners and coordinate with external lenders to support institutional growth.

What You Bring

• The Heart: A dedication to providing high-level customer service and helping members navigate complex financial transitions with ease.
• The Experience: Experience with loan documents and familiarity with general ledgers is preferred.
• The Education: High school diploma or equivalent.
• The Credentials: Must maintain an active NMLS registration.
• The Skills: Strong decision-making abilities, excellent written/verbal communication, and the judgment to recommend policy improvements based on industry trends.
• The Technical Edge: Proficiency in PC software and a deep understanding of modern mortgage products and industry standards.
• The Essentials: Must be bondable and detail oriented.

Why You’ll Love It Here

• Community Impact: Help members achieve the milestone of homeownership.
• Collaboration: A culture that ditches "us vs. them" for a supportive team environment.
• Benefits: Paid time off, paid holidays, 401(k) profit share options.

Schedule & Location

• Status: Full-Time, Non-Exempt
• Location: On-site – Mortgage Lending Department
• Hours: Monday - Friday

Ready to Join Us? If you're ready to start a career where people come first

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