Mortgage Loan Originator II - Middletown, NY

Heritage Financial Credit Union; Kentucky; On-site; USD 28,000 - 36,000; Full time

Benefits offered by this job

Paid Time Off

Medical/Dental/Vision Insurance

401(k) with employer match

Educational assistance

Volunteer time

Job summary

Heritage Financial Credit Union is seeking a mortgage lending professional to interview, counsel and originate loans for members and non-members. You will review credit, income, assets, and loan documents to make smart lending decisions and move applications smoothly from start to closing.

The role emphasizes analyzing credit reports, staying on top of details, and maintaining relationships with real estate professionals to grow mortgage business in the local market.

Qualifications

• 4-year college degree preferred plus five to seven years experience in sales and/or financial counseling; or comparable combination of education and experience.
• Notary designation or ability to attain within 6 months.
• Knowledge of accounting principles, underwriting and compliance guidelines; working knowledge of BSA requirements.

Responsibilities

• Actively sell CU products and services including consumer and real estate loans; perform credit counseling, analyze credit report, solve difficult member issues.
• Develop Mortgage Loan business for members and non-members in our field of membership.
• Interview and counsel new and existing members regarding mortgage products and information on other credit union products/services.
• Keep informed of trends and developments in the local real estate market.
• Participate in sales development activities and furthering education opportunities.
• Interact with Credit Union personnel to ensure seamless service and processing of approved application.
• Adhere to current laws to ensure compliance with terms; coordinates lending activities with loan department.
• Perform responsibilities of position in accordance with federal and state regulations, credit union policies and procedures.

Skills

Sales experience

Financial counseling

Communication skills

Notary (within 6 months)

Education

4-year college degree preferred

5-7 years sales/financial counseling experience

Tools

PC-based software

Microsoft Office

Job description

Do you know your way around mortgages and enjoy helping people get to the closing table? If you're comfortable reviewing credit, income, assets, and loan documents, and understand conventional loans, you might be great fit for our team. We're looking for someone who can make smart lending decisions, stay on top of the detail, and help keep the loan process moving smoothly from application to closing.

Full-time

Here’s a little about us

Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed.

Our Core Values

Experience: Go Above Expectations; Create Positive Moments; Personally Acknowledge

Service: Deliver As One Team; Stay A Step Ahead; Guide with Product Expertise

Integrity: Do What's Right; Speak the Truth; Own Our Actions

People: Grow Together; Respect Every Voice; Build Trusting Relationships; Strengthen Culture & Community

POSITION PURPOSE

To make Heritage Financial Credit Union a sought-after mortgage lending institution in our field of membership. In addition to actively interview, counsel and originate mortgage loans for members and non-members.

Essential Functions And Responsibilities

• Actively sell CU products and services including consumer and real estate loans; perform credit counseling, analyze credit report, solve difficult member issues, etc.
• Develop Mortgage Loan business for members and non-members in our field of membership.
• Interview and counsel new and existing members regarding mortgage products as well as information on other credit union products/services;
• Keeping informed of trends and developments in the local real estate market;
• Participate in sales development activities and furthering education opportunities.
• Interact with Credit Union personnel to ensure seamless service and processing of approved application;
• Adhere to current laws to ensure compliance with terms; coordinates lending activities with loan department;
• Perform responsibilities of position in accordance with federal and state regulations, credit union policies and procedures.
• Refer members to Financial Services, as appropriate.
• Work non-traditional hours, as necessary, to meet the needs and goals of our members and credit union.
• Consistently travel to maintain current and build new networking relationships that promote HFCU and their products and services.
• Regularly attend realtor and networking functions to promote the HFCU brand awareness.
• Actively maintain a presence in the local mortgage industry to help create and promote the HFCU mortgage brand awareness.
• Utilize networking relationships to bring new memberships and mortgage loans to HFCU.
• Assist in training new employees.
• Recommend changes, workflow, efficiencies and quality.
• Meet Goals/Core Comp requirements
• Performs additional duties as assigned.

Requirements

EDUCATION/CERTIFICATION: 4-year college degree preferred plus five to seven years experience in sales and/or financial counseling; or comparable combination of education and experience. Notary designation or ability to attain within 6 months.

Knowledge Knowledge of accounting principles, underwriting and compliance guidelines, and good communication skills. This position requires that the employee gain a working knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work. The employee will comply with all requirements of the BSA and cooperate with the designated BSA Officer in assuring compliance.

Experience Experience using P.C. based software and Microsoft Office, etc.

Skills/Abilities Ability to project a professional appearance and positive attitude at all times.

What’s in it for you?

Salary: $20.79 - $25.99 per hour (depending on experience) + commissions.

Benefits

• Paid Time Off & Paid Federal Holidays
• Medical, Dental, Vision & Life Insurance
• Employee Assistance Program
• Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA)
• Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services
• BenefitsPlus+ perks program (travel, entertainment, gift cards and so much more)
• CareNet - benefits concierge service
• 401(k) with 5% Employer Match
• Educational Assistance
• Paid Time to Volunteer
• HFCU Logo-wear (that our employees wear with pride!)

Equal Opportunity Statement

Employment at our Credit Union is based upon merit, ability, and qualifications. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.