Mortgage Loan Originator - End-to-End Lending

SIU Credit Union; Carbondale (IL); Sur place; USD 45 000 - 85 000; Plein temps

Résumé du poste

SIU Credit Union is seeking a Mortgage Loan Originator to manage end-to-end real estate loans, including documentation, underwriting, and closing while counseling members on credit options.

The role requires processing 1st mortgage applications, reviewing credit, and ensuring all files meet regulatory and secondary market standards. Strong client service and regulatory knowledge are essential.

Qualifications

• In-person interviews with prospective borrowers.
• Ability to quote rates and explain loan programs.
• Counsel applicants on credit improvement after denials.
• Perform loan closings with high-level customer service.
• Stay current on mortgage industry standards and trends.
• Maintain NMLS registration and adhere to regulations.

Responsabilités

• Process 1st mortgage applications and review credit reports.
• Operate automated underwriting or similar systems.
• Approve or deny mortgage applications.
• Deliver pre-qualification letters, rate locks, disclosures as needed.
• Prepare mortgage documents and facilitate closings.
• Disburse in-house and secondary market mortgages; handle related clerical work.
• Review regulations and industry standards to recommend policy improvements.
• Ensure HMDA and RESPA compliance in all files.

Connaissances

Interview borrowers

Quote rates

Credit counseling

Close loans

Regulatory compliance

NMLS registration

Formation

High school diploma

Outils

PC software

Description du poste

SIU Credit Union is seeking a Mortgage Loan Originator to manage end-to-end real estate loans, including documentation, underwriting, and closing while counseling members on credit options.

The role requires processing 1st mortgage applications, reviewing credit, and ensuring all files meet regulatory and secondary market standards. Strong client service and regulatory knowledge are essential.