Communication Federal Credit Union has proudly served our members for over 85 years, with a deep commitment to serving our communities, providing financial education, and supporting local organizations.We are passionate about the Credit Union philosophy, "People Helping People" and we empower our team to deliver on that promise. Working at CFCU means working alongside a diverse group of financial professionals sharing a common goal, to create exceptional member experiences. Our culture is meant to encourage trust and allow collaboration, while enabling each employee to meaningful impact our organization as well as the communities we serve.Employee Benefits include:200% 401(k) Match up to 5%11 Paid HolidaysCompetitive Pay with advancement opportunitiesYearly Performance IncentivePaid Time Off accrual starting Day 1 (tenure-based increases)Medical Plans with a $5.00 Employee Only Per Pay Period PlanDental, Vision, Short-Term Disability InsuranceHospital and Accident Indemnity PlansEmployer paid Basic Life and AD&D InsuranceEmployer paid Long-Term Disability InsuranceFlexible Spending Accounts- Medical and Dependent CareTuition/ Educational AssistanceMany Other Employee Perks and DiscountsPOSITION SUMMARY:Join a professional team working to locate prospective borrowers and procuring mortgage loans in accordance with credit union guidelines. The Mortgage Loan Originator responds to inquiries and conducts interviews for loan applicants, evaluating credit and providing guidance through the process. Responsible for applicable mechanical components such as ordering appraisals, scheduling closings, etc.Who You AreKnowledge of mortgage terminology, processes and procedures, including real estate regulatory compliance. Professional and well-developed communication skills to work cooperatively with others.Excellent attention to detail and accuracy required. Must be self-motivated, analytical and detail oriented. Effectively organize and prioritize tasks, meet numerous deadlines and adaptable to workflow changes. Intermediate to Advanced mathematical skills.What You Will DoDevelop and maintain successful relationships as recurring source of referrals for mortgage lending opportunities. May visit real estate offices, make cold calls, attend industry events and build a network of professional contacts.Respond to mortgage inquiries generated from various sources such as web application, email, walk-in or phone call. Exercise cross-sell opportunities based on qualifying techniques related to financial status, credit, etc.Evaluate mortgage loan applications for creditworthiness, making quality decisions in timely manner. Submit and process applications according to accepted underwriting policies, practices, and procedures. Collect data to calculate payment information and prepare TRID disclosures.Review mortgage files for accurate completion and compliance standards; file maintenance on mortgage loans. Prepare, process, and organize mortgage files for submission to underwriting. Education and ExperienceRequires registration as MLO with Nationwide Mortgage Licensing System (NMLS) and Registry; initial registration required immediately upon hire.Minimum 2-3 years of experience in mortgage lending or related profession.Proven Sales success preferred.HS Graduate required; Associates or Bachelors Degree preferred.
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