Mortgage Loan Originator - Internal

SAFE Federal Credit Union Inc.; Sumter (SC); On-site; USD 55,000 - 75,000; Full time

Job summary

SAFE Federal Credit Union Inc. in Sumter, SC is seeking a Mortgage Loan Officer to originate mortgage applications, interview applicants, gather supporting documents, and review disclosures to prepare for closing.

You will enter applications, pull credit reports and DU Findings, answer questions from members, and assist with training and reports while ensuring compliance with lending policies.

Qualifications

• High school diploma or equivalent.
• At least two years related experience in real estate lending.
• Familiarity with mortgage processes and disclosures.

Responsibilities

• Meet assigned sales and service goals.
• Originate applications and interview loan applicants.
• Enter mortgage applications into origination system and pull credit reports.
• Provide information about mortgage process and products to members.
• Cross-sell other credit union products.
• Maintain records to comply with Home Mortgage Disclosure Act.

Skills

Interviews with loan applicants

Mortgage lending

Customer service

Credit reports

Regulatory compliance

Education

High school diploma

Tools

Origination system

DU Findings

Job description

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.

Equal Opportunity Employer
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