Mortgage Loan Originator - Internal

Safe-Federal-Credit-Union; Sumter (SC); On-site; USD 45,000 - 65,000; Full time

Job summary

Safe-Federal-Credit-Union in Sumter, SC is seeking a Mortgage Loan Officer who originates mortgage applications and conducts interviews with loan applicants through online, phone, and service centers. You will gather documents to support approvals and review disclosures to prepare borrowers for closing.

Reporting to the VP Mortgage Lending, you will adhere to underwriting policy, manage records for HMDA, assist with training, and cross-sell credit union products while providing guidance to

Qualifications

• High school diploma required.
• At least two years related experience in real estate lending.

Responsibilities

• Meets assigned sales and service goals.
• Originates applications and conducts interviews with loan applicants through various service channels to include online, phone, Loan Service Center and Member Service Center.
• Enters mortgage applications into the origination system, pre-qualifications, pulls credit reports, tax assessments, and DU Findings.
• Provides information concerning the mortgage loan process and procedures, as well as other credit union products and services.
• Assists the VP Mortgage Lending with training opportunities such as monthly webinars, mortgage training for staff and other training needs.
• Maintains application and approval records to comply with the HMDA requirements.

Skills

Sales & customer service

Interviews with loan applicants

Education

High school diploma

2+ years real estate lending experience

Job description

Administration
160 W Wesmark Blvd
Sumter, SC 29150, USA

Administration
160 W Wesmark Blvd
Sumter, SC 29150, USA

Originates mortgage applications and conducts interviews with loan applicants. Gathers documents to help support approval decision. Reviews closing disclosure with member to prepare them for closing. In accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and submits borrower’s applicants for credit or extension of lines of credit.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Meets assigned sales and service goals.


• Originates applications and conducts interviews with loan applicants through various service channels to include online, phone, Loan Service Center and Member Service Center.


• Enters mortgage applications into the origination system, pre-qualifications, pulls credit reports, tax assessments, and DU Findings.


• Provides in person, online or by telephone, information concerning the mortgage loan process and procedures, as well as other credit union products and services.


• Adheres to the Member Service Standards set forth by the credit union at all times.


• Processes real estate loan applications, including, conforming mortgage loans to secondary market standards (ordering credit reports, wood infestation reports, and income/employment and Assets Documentation).


• Assists the VP Mortgage Lending with training opportunities such as monthly webinars, mortgage training for staff and other training needs within the credit union.


• Maintains application and approval records to comply with the “Home Mortgage Disclosure Act” for the credit union.


• Assists the VP Mortgage Lending with various monthly reports regarding mortgage origination.


• Assists members, branch, and call-center personnel with questions regarding the mortgage process, mortgage products, pending applications, and member inquiries.


• Responds to member and potential borrower requests via phone, email, online/chat, and in person.


• Acts as a liaison to third parties as required for the mortgage process to include appraisers, mortgage attorneys, realtors, and builders.


• Cross sells other credit union products.


• Other duties as assigned.

EDUCATION AND OR EXPERIENCE

High school diploma; and at least two years related experience and/or training in real estate lending; or equivalent combination of education and experience in a related field.

Qualifications

Skills

Behaviors

Motivations

Education

Experience

Licenses & Certifications

Equal Opportunity Employer
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