Adjunct Assistant Professor of Psychiatric Nursing

Mitsubishi Electric Automation, Inc. (MEAU); Kingsport (TN); On-site; USD 50,000 - 75,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401(k)

Paid Vacation

Annual Bonus Plan

Tuition Reimbursement

Job summary

Eastman Credit Union is seeking an experienced Mortgage Originator in Kingsport, Tennessee. This position focuses on Inbound Mortgage Origination, requiring exceptional teamwork and compliance knowledge in mortgage regulations. The ideal candidate will have a Bachelor's Degree and relevant experience to effectively manage borrower interactions and loan processing. Benefits include competitive pay, work/life balance, and promotional opportunities within a supportive environment.

Qualifications

• Experience in mortgage origination, preferably inbound.
• Strong knowledge of mortgage regulatory compliance.
• Ability to work well within teams.

Responsibilities

• Interview prospective borrowers and present product options.
• Gather application data and analyze the financial status of applicants.
• Promote ECU products and maintain compliance knowledge.

Skills

Empathy

Reliability

Responsiveness

Teamwork

Education

Bachelor's Degree (B.A.) from a four-year college or university

Tools

Ellie Mae’s Encompass system

ValuTrac

Data Quick

Job description

Eastman Credit Union is seeking an experienced Mortgage Originator. This position is for Inbound Mortgage Origination. Some of the benefits include:

Benefits

• Work/Life Balance - 40 hours per week (November – February)/ Minimal Overtime (March – October)
• Non-Commission, Competitive Pay
• Benefits Include: Medical, Dental, Vision, 401(k), Paid Vacation, Annual Bonus Plan, Tuition Reimbursement, and more!
• Promotional Opportunities and Career Development
• Possibility of Floating within Tri Cities Region

Mortgage Loan Originator Functions

• Interview prospective borrowers, determine borrowers’ financial goals, and present appropriate ECU product options
• Discuss loan pricing and lock options
• Gather application data such as income, assets, sales contract, etc
• Enter personal and financial information in loan origination system, and analyze applicant financial status to determine feasibility of granting loan.
• Deny application or submit application to Processing
• Review loan application and pertinent disclosures (loan estimate, closing disclosure, etc.) with applicants.
• Compile loan package and discusses loan terms with applicant in accordance with ECU guidelines and policies.
• Deliver loan package to Disclosure Desk in a timely manner (within 1 day of application)
• Confer with underwriter/processing to aid in resolving mortgage underwriting compliance
• Assist members with inquiries and information requests
• Inform loan applicant of credit decision
• Manages pipeline to insure timely loan processing and closing
• Promote and cross-service other ECU products and services as appropriate to member needs
• Continuing education – seminars and on-line training to stay abreast of changes in the mortgage lending industry
• Maintain working knowledge of mortgage regulatory compliance. Including but not limited to:
  • Regulation Z –
    • High - Cost Mortgages
    • Higher Priced Mortgages
    • Periodic Statement Requirements
    • Adjustable-rate Disclosures and Requirements
    • Ability to Repay
    • Right of Rescission
  • Home Mortgage Disclosure Act (HMDA)
  • Regulation X
    • Timely Escrow Payments and Treatment of Escrow Balances
    • Error Resolution Procedures
    • Requests for Information
    • Force Placed Insurance
    • Homeownership Counseling
  • Regulation B – Equal Credit Opportunity Act
    • Adverse Action
    • Appraisal Delivery
  • Qualified Mortgages
  • TILA RESPA
  • Fair Credit Reporting Act/FACTA
  • Equal Credit Opportunity Act
  • Right to Financial Privacy Act
  • Flood Insurance Notification
• Maintain expert knowledge of systems used in the mortgage process
  • ECU currently originates its mortgage loans in Ellie Mae’s Encompass system, also working knowledge of ValuTrac, OSI, Courthouse Retrieval, DU, Data Quick etc.
• Maintain expert knowledge of ECU Mortgage products and services.
  • ECU offers a variety of loan products including: FNMA, VA, FHA and USDA products.
  • ECU also provides a wide variety of specialty products, First Time Home Buyer, Purchase Plus, Construction, Select, Home Equity/Home Equity Line of Credit and Choice Loans to name a few.
• Team player. Ability to work well with all areas within mortgage department and ECU.
• Demonstrate exceptional attendance and punctuality practices.

Empathy, Reliability, Responsiveness, and Teamwork

Required Skills

Required Experience

Bachelors Degree (B.A.) from four year college or university; or three to five years related experience and/or training; equivalent combination of education and experience.