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America First Credit Union · 2 days ago

Senior Mortgage Loan Originator II - (Las Vegas, NV)

United States

Full-time

Remote

Senior Level

5+ years exp

America First Credit Union is seeking a Senior Mortgage Loan Originator II who will proactively solicit outside mortgage business to achieve loan quality and production goals. The role involves developing a network for referrals, overseeing mortgage loan origination, and ensuring compliance with lending regulations.

FinanceFinancial ServicesNon Profit

Responsibilities

Ensures the effective and professional completion of assigned loan origination functions

Possesses a complete knowledge/understanding of the mortgage loan products offered. This includes but is not limited to the standard secondary market loan programs expanded criteria, investment property and America First Loan programs

Possesses a complete knowledge/understanding of mortgage origination software systems, as expected of this position

Interviews, pre-qualifies, completes application documents, and analyzes preliminary documentation for loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation. Explains mortgage Exempt I process, time frames to expect and lock in procedures thoroughly. Does all of the above in such a manner as to elicit a shared understanding and positive responses from members

Performs follow-up work as necessary to achieve conditional approval within established time frames

Works to resolve loans referred by Underwriting or Automated Underwriting System within established time frames. Discusses loan alternatives with member thoroughly, together arriving at a conclusion as to what action is to be taken next on loan request

Understands and completes lending operations in accordance with all applicable federal and state mortgage regulations, NCUA, and established credit union policies and requirements. Stays informed as to changes thereto

Meets loan production and service expectations as established

Possesses a complete understanding of production and service expectations of position

Creates and actively maintains a result oriented, assertive marketing plan

Drafts, executes, and revises marketing plan as needed in a well-organized, professional manner

Achieves and maintains a level of proficiency which meets expectations of position

Establishes and maintains effective and professional business relations with members, realtors, builders, co-workers, and other industry professionals

Attentively answers questions and resolves problems

Counsels members regarding money management and financial matters

Provides relevant and timely updates with all involved parties

Works effectively with loan assistant, processing, and underwriting teams

Projects the credit union's professional image by maintaining a clean, secure and well-maintained desk/ work area, and follows credit union/department dress code

Stays informed regarding changes and trends in the local real estate and competitive lending market

Establishes and maintains effective communication and coordination with credit union personnel and with management

Coordinates functions with related departments and branches, providing support as needed

Functions as an essential constituent of the Mortgage department

Keeps management informed of area activities and of any significant problems

Attends and participates in meetings and committees as required

Completes required records and reports in a timely manner

Provides support to the mortgage team as required for business development

Mentor others with mortgage knowledge

Performs related duties as required or assigned

Professionally cross-sells credit union services

Completes special projects as assigned

Qualification

Mortgage loan originationLoan policiesUnderstanding creditworthinessMarketing plan executionAnalytical skillsMortgage lending experienceInterviewing skillsPublic relations abilitiesReal estate backgroundCommunicationWork under pressure

Required

Bachelor's degree in business or related field or an equivalent combination or formal training and experience

Qualifies under Federal and state standards for licensing

Understanding of the foundation of determining creditworthiness and borrower qualification

Knowledge of Credit Union loan policies, products, procedures, processing, and underwriting guidelines

Familiarity with title reports, insurance and appraisals

Knowledge of mortgage investor selling guidelines and requirements

5 years of mortgage loan originating experience

Mortgage lending experience in conventional, FHA, VA. USDA, HECM, lot and construction loans

Real estate background helpful and a verifiable existing network of industry professionals (agents and builders.)

Strong interviewing skills

Ability to interact effectively with staff to achieve desired outcomes

Ability to create, execute, and revise a marketing plan as needed

Excellent communication and public relations abilities

Strong analytical and financial skills

Ability to work in a fast-paced, deadline driven environment and under pressure as needed

Able to operate related computer applications, calculator, and other basic business equipment

Successful completion of the NMLS registration process, which includes, but is not limited to: Passing an approved credit screening, Completing all required SAFE Act courses, Attesting to personal information, Submitting fingerprints for background check, Maintaining annual licensure renewal