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This role actively develops referral relationships and generates new mortgage business through community outreach, networking, and promotion of credit union mortgage products and services. The Mortgage Loan Originator/Processor is a sales-driven position responsible for originating, marketing, processing, and closing residential real estate loan products while delivering exceptional member service.

<h1>Mortgage Loan Originator/Processor</h1>REPORTS TO: Mortgage Loan Manager FLSA Classification: Non-Exempt Compensation: Base Salary Plus Commission Incentives POSITION SUMMARY The Mortgage Loan Originator/Processor is a sales-driven position responsible for originating, marketing, processing, and closing residential real estate loan products while delivering exceptional member service. This role actively develops referral relationships and generates new mortgage business through community outreach, networking, and promotion of credit union mortgage products and services. The ideal candidate will combine strong sales and relationship-building abilities with mortgage processing expertise to guide members through the loan process from application through closing. This position requires maintaining thorough knowledge of mortgage products, lending regulations, underwriting guidelines, and internal lending procedures while meeting production and service goals. <h1>ESSENTIAL FUNCTIONS</h1>Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Sales & Business Development <ul><li> Proactively market mortgage loan products and services to current and prospective members. </li><li> Develop and maintain referral business through relationships with real estate agents, builders, attorneys, financial professionals, and community organizations. </li><li> Generate new loan opportunities through outbound calling, networking events, member follow-up, and community involvement. </li><li> Cross-sell credit union products and services to deepen member relationships. </li><li> Meet or exceed established loan production, referral, and sales goals. </li><li> Promote the credit union within the community to increase mortgage lending growth and brand awareness. </li><li> Maintain a pipeline of prospective and active mortgage loans through consistent follow-up and relationship management. </li></ul>Mortgage Origination & Processing <ul><li> Answer member questions regarding mortgage products, rates, terms, and loan programs. </li><li> Interview applicants and gather financial information to determine mortgage qualification eligibility. </li><li> Process applications and verify accuracy for mortgage and second mortgage open-end and closed-end loans. </li><li> Follow up with members to obtain documentation necessary for loan approval and closing. </li><li> Return calls and voicemails within a 24-hour business period. </li><li> Provide all required disclosures for fixed-rate and variable-rate loan products. </li><li> Calculate closing costs and provide Loan Estimates and related disclosures. </li><li> Verify employment, assets, liabilities, income, and other supporting documentation. </li><li> Order and review credit reports to evaluate applicant creditworthiness according to lending guidelines. </li><li> Approve or deny loans within delegated lending authority. </li><li> Request and evaluate appraisals to ensure collateral requirements and valuation standards are met. </li><li> Request flood certifications to determine flood zone status. </li><li> Order title work and coordinate with attorneys, title companies, and closing agents. </li><li> Obtain and verify homeowner’s and flood insurance coverage when applicable. </li><li> Establish repayment terms, interest schedules, and loan conditions. </li><li> Prepare complete and accurate closing packages while ensuring timely loan closings. </li><li> Research and resolve documentation or processing issues to ensure compliance and member satisfaction. </li></ul>Compliance & Risk Management <ul><li> Maintain thorough knowledge of mortgage lending regulations, compliance requirements, and credit union policies. </li><li> Ensure all job functions are performed in accordance with Federal and State regulations, BSA, OFAC, SAFE Act, TRID, RESPA, and the USA Patriot Act/Customer Identification Program (CIP). </li><li> Maintain accurate records and documentation throughout the lending process. </li><li> Protect member confidentiality and sensitive financial information. </li></ul><h1>COMPETENCIES</h1>To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. <ul><li> Strong sales, networking, and relationship-building skills </li><li> Ability to generate referral business and self-source loan opportunities </li><li> Excellent communication skills (oral, written, and listening) </li><li> Strong member service orientation with professional appearance and positive attitude </li><li> Ability to solve problems within established policies and procedures </li><li> Ability to adapt to changing policies, procedures, and regulations </li><li> Strong organizational skills and attention to detail </li><li> Working knowledge of mortgage lending compliance and regulations </li><li> Knowledge of credit analysis, lending guidelines, and credit scoring </li><li> Basic math skills including calculations involving interest, percentages, commissions, and loan figures </li></ul><h1>EDUCATION & QUALIFICATIONS</h1><ul><li> High school diploma or equivalent required </li><li> Minimum of two years of related mortgage lending, loan origination, loan processing, or financial institution experience preferred </li><li> Prior sales, mortgage production, or business development experience strongly preferred </li></ul><h1>EXPERIENCE, SKILLS & OTHER REQUIREMENTS</h1><ul><li> Proven ability to develop business and build referral relationships </li><li> Strong understanding of mortgage products, underwriting, and loan documentation </li><li> Exceptional interpersonal and customer service skills </li><li> Ability to manage multiple loans and deadlines simultaneously </li><li> Strong accuracy and attention to detail </li><li> Proficient in Microsoft Word, Excel, Outlook, and PowerPoint </li><li> Ability to communicate effectively with members, realtors, attorneys, title companies, and internal staff </li></ul><h1>CERTIFICATES, LICENSES & REGISTRATIONS</h1><ul><li> Must successfully complete BSA training as required </li><li> Employee must be bondable (insurable) </li><li> Mortgage licensing may be required depending on regulatory requirements and job duties </li></ul><h1>WORK ENVIRONMENT</h1>Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. <ul><li> Primarily indoor office environment with quiet to moderate noise level </li><li> Occasional work outside the office for business development and community events </li><li> Occasional travel for training, networking, and business-related functions </li><li> Occasional evening and weekend schedules required </li></ul><h1>POSITION TYPE / EXPECTED HOURS OF WORK</h1>This is a full-time position. Days and hours of work are Monday through Thursday 8:00 a.m. to 5:00 p.m., Friday 8:00 a.m. to 5:30 p.m., and occasional Saturdays from 9:00 a.m. until 1:00 p.m. Saturday rotation required. Hours may change without notice. <h1>PHYSICAL DEMANDS</h1>While performing the duties of this job, the employee is regularly required to sit, stand, and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is frequently required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move 25-30 pounds. <h1>EMPLOYMENT REQUIREMENTS</h1>All applicants must meet the following conditions of employment to be eligible for employment at Sunbelt Federal Credit Union: <ul><li> U.S. Citizenship </li><li> Successfully passing a drug test for illegal drugs </li><li> Successfully passing a background investigation </li></ul><h1>BENEFITS OFFERED</h1><ul><li> 401(k) with employee match and profit sharing </li><li> Medical, Dental, Vision, Life, STD, LTD </li><li> Paid Holidays </li><li> Employee Education Assistance Program (Tuition Reimbursement) </li><li> 16 Days PTO beginning accrual on day one (usable after 90 days) </li><li> Employee Assistance Program (EAP) </li></ul><h1>DECLARATION</h1>This job description is intended to describe the general nature and level of work being performed by employees assigned to this position. Duties, responsibilities, and activities may change at any time with or without notice. Sunbelt Federal Credit Union is an Equal Opportunity Employer.

Sunbelt Federal Credit Union

Mortgage Loan Originator/Processor

Background Investigation

Business Development

Business Skills

Communication Skills

Credit Analysis

Credit Reports

Credit Risk

Credit Union

Cross-Selling

Customer Support/Service

Detail Oriented

Documentation

Employee Assistance Plan

Federal Laws and Regulations

Financial Services

Follow Through

High School Diploma

Interpersonal Skills

Legal Support Skills

Lift/Move 25 Pounds

Lift/Move 30 Pounds

Loan Approval

Loan Closing

Loan Conditions

Loan Documents

Loan Origination

Loan Processing

Loan Underwriting

Loans

Maintain Compliance

Marketing

Mathematics

Member Orientation

Microsoft Excel

Microsoft Outlook

Microsoft PowerPoint

Microsoft Word

Mortgage

Mortgage Lending

Mortgage Regulations

Networking Events

Organizational Skills

Policy Development

Presentation/Verbal Skills

Problem Solving Skills

Procedure Development

Real Estate Sales

Record Keeping

Regulations

Regulatory Compliance

Relationship Management

Residential Mortgages

Sales

Sales Management

Sales Pipeline

Service Delivery

State Laws and Regulations

Time Management

USA PATRIOT Act

Underwriting

United States Citizen

Writing Skills

Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application. While performing the duties of this job, the employee is regularly required to sit, stand, and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear.

Benefits: <ul><li>401(k)</li><li>401(k) matching</li><li>Dental insurance</li><li>Health insurance</li><li>Tuition assistance</li><li>Vision insurance</li></ul> <h1>Consumer Loan Processor</h1>SUMMARY/OBJECTIVE: Provide information on credit union products and services according to all credit union policies and procedures and Federal and State rules and regulations.  Responsible for evaluating applicants for routine loans, and processing loan applications.  Gather background information and analyze loan applicant's credit history.   Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. <ul><li>Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.</li><li>Calculate debt to income ratios on loan applicants.</li><li>Complete loan applications over the phone and/or electronically.</li><li>Review active loan files each day to determine if any documents are missing or what can be done to help the process along.</li><li>Communicate with members either to request or to provide information.</li><li>Review incoming loan applications to verify required information is compliant with checklist.</li><li>When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.</li><li>Verify the accuracy of loan amounts and repayment terms on approved loan applications.</li><li>Complete loan documents and disburse loans when needed.</li><li>Implement new loan products and services in accordance with management direction.</li><li>Cross sell lending and other credit union products.</li><li>Maintain orderly files on each account with special attention to complete and accurate detailing of all problems or correspondence.</li><li>Other duties as assigned.</li></ul>Competencies: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. <ul><li>Ability to solve problems within established policies and procedures</li><li>Ability to accept and perform new job responsibilities as needed</li><li>Excellent communication skills (oral, written and listening), professional appearance and positive attitude</li><li>Basic math skills required (ability to add, subtract, multiply, and divide using whole numbers, common fractions, and decimals)</li><li>Have a thorough knowledge of Consumer Lending Compliance and Lending Regulations.</li><li>Good working knowledge of credit models and credit scoring</li></ul>Education: <ul><li>High school diploma or equivalent and at least two years of related work experience, preferably in a financial institution</li></ul>Experience, Skills and Other Requirements: <ul><li>Must possess strong basic math skills, accuracy and attention to detail</li><li>Exceptional oral and written communication skills required.</li><li>Must possess interpersonal skills including courtesy, tact, and diplomacy as they are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.</li><li>Computer Skills – MS Word, Excel, Outlook, and PowerPoint.</li></ul> Certificates, Licenses and Registrations: <ul><li>Must successfully complete BSA training as required</li><li>Employee must be bondable (insurable)</li></ul> WORK ENVIRONMENT: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. <ul><li>Primarily in-door office work with quiet to moderate noise level.</li><li>Occasional work outside the office.</li><li>Occasional travel for business-related functions.</li><li>Occasional evening and weekend schedules required.</li></ul>Position Type/Expected Hours of Work: This is a full-time position. Days and hours of work are Monday through Thursday 8:00 a.m. to 5:00 p.m., Friday 8:00 a.m. to 5:30 p.m. and occasional Saturdays from 9:00 a.m. until 1:00 p.m.   PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, stand, and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is frequently required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move 25-30 pounds.   Employment Requirements: All applicants must meet the certain conditions of employment to be eligible for employment at Sunbelt Federal Credit Union: <ul><li>U.S. Citizenship</li><li>Successfully passing a drug test for illegal drugs</li><li>Successfully passing a background investigation</li></ul>Benefits Offered: <ul><li>401K</li><li>Life, STD, LTD, Medical, Dental & Vision</li><li>Paid Holidays</li><li>16 Days of PTO (Paid time off) that begins accruing day one. (usable after 90 days)</li><li>Employee Assistance Program (EAP)</li></ul>  DECLARATION This job description is designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Sunbelt FCU is an Equal Opportunity Employer.

Consumer Loan Processor

Computer Skills

Consumer Loans

Dental Insurance

File Maintenance

Health Insurance

Loan Regulations

Loan Review

Physical Demands

Tuition Fees

Vision Plan

Maintain and understand compliance to ensure that work complies with the credit unions established policies, procedures and applicable regulations, to include Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Member Identification Program (MIP), and Office of Foreign Asset Control (OFAC). Ability to analyze, interpret and communicate orally and in writing (prepare a credit memorandum) the financial status of the balance and income statements, Cash Flow Statements for all types of businesses including business applicants to determine their potential borrowing capacity.

Benefits: <ul><li>401(k) matching</li><li>Competitive salary</li><li>Dental insurance</li><li>Paid time off</li><li>Profit sharing</li><li>Tuition assistance</li><li>Vision insurance</li></ul> REPORTS TO:  Vice President of Commercial Lending   SUMMARY/OBJECTIVE: Provide information on credit union products and services to current and potential business members according to all credit union policies and procedures and federal rules and regulations.  Support the VP of Commercial Lending in development of the business loan portfolio.  Prepare, assess, process and document all required forms and related communication.   FLSA Classification: Exempt   ESSENTIAL FUNCTIONS: Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. <ul><li>Gather background information on members applying for business loans by reviewing applicants and obtaining all necessary information.</li><li>Interview members requesting refinancing or rewrites of existing business loans.</li><li>Assist members with the loan application process in person, on the phone or electronically to ensure completeness of information.</li><li>Pull credit reports for all accounts, verify debt, estimate monthly payments for any outstanding debts not listed and add them to debts on the application.</li><li>Calculate debt-to-income ratios on loan applications and calculate how much of the applicant’s debt is secured or unsecured.</li><li>Ensure that sound analysis and lending procedures are followed.  Act in compliance with Business Loan Policy always.</li><li>Evaluate the information provided by the business owner.</li><li>Generate offer letters or decline notices as decisions are made on applications.</li><li>Explain reasons for denial and explore options for members when business loans are denied.</li><li>Verify the accuracy of business loan amounts and repayment terms on approved loan applications.  Complete loan documents and disburse loans when approved.</li><li>Answer questions related to business loans.</li><li>Responsible for assisting the Vice President of Commercial Lending in collection efforts on business accounts.</li><li>Maintain and understand compliance to ensure that work complies with the credit unions established policies, procedures and applicable regulations.</li><li>Maintain and understand compliance to ensure that work complies with the credit unions established policies, procedures and applicable regulations, to include Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Member Identification Program (MIP), and Office of Foreign Asset Control (OFAC).</li><li>Performs other duties assigned or required in connection with the general operation of the credit union.</li></ul>REQUIREMENTS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. <ul><li>Ability to analyze, interpret and communicate orally and in writing (prepare a credit memorandum) the financial status of the balance and income statements, Cash Flow Statements for all types of businesses including business applicants to determine their potential borrowing capacity</li><li>Extensive knowledge of business laws as well as commercial laws and regulations related to commercial lending.</li><li>Knowledge of the methods for appraising all types of collateral.</li><li>Good organizational and professional communication skills, both written and oral.</li><li>Good oral and written communication skills and must be detail oriented.</li></ul>EDUCATION & QUALIFICATIONS: <ul><li>Bachelor’s degree or equivalent with a minimum of two years of commercial lending experience.</li></ul>WORK ENVIRONMENT: Reasonable accommodation may be provided to enable individuals with disabilities to perform the essential functions. <ul><li>Primarily in-door office work with quiet to moderate noise levels.</li><li>Occasional work outside the office.</li><li>Occasional travel for business-related functions.</li><li>Occasional evening and weekend schedules may be required.</li></ul>POSITION TYPE/EXPECTED HOURS OF WORK: <ul><li>This is a full-time position. Days and hours of work are Monday through Friday 8:00 a.m. to 5:00 p.m., and occasional Saturdays may be required; May also require occasional travel for training as needed. Hours may change without notice.</li></ul>PHYSICAL DEMANDS Requires sitting most of the day, lifting up to 35 pounds, bending, squatting, climbing, kneeling and reaching above shoulder level occasionally, reaching below shoulder level frequently, twisting continuously.    EMPLOYMENT REQUIREMENTS: All applicants must meet certain conditions of employment to be eligible for employment at Sunbelt Federal Credit Union: <ul><li>U.S. Citizenship</li><li>Successfully passing a background investigation</li></ul>BENEFITS OFFERED: <ul><li>401K, With employer match and profit shares.</li><li>Company provided Life, AD&D STD, LTD, Medical</li><li>Dental & Vision</li><li>Aflac Insurance products</li><li>Paid Holidays</li><li>Employee Education Assistance Program</li><li>PTO (Paid time off) that begins accruing day one (usable after 90 days)</li><li>Employee Assistance Program (EAP)</li></ul>DECLARATION This job description is designed to cover or contain a comprehensive list of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Sunbelt FCU is an Equal Opportunity Employer.

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Mortgage Loan Originator/Processor Sunbelt Federal Credit Union

Consumer Loan Processor Sunbelt Federal Credit Union

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