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Prospera Credit Union (Wisconsin) · 1 day ago

Senior Mortgage Loan Originator

4830 North Ballard Road, Appleton, WI 54913, USA

Full-time

Onsite

Senior Level

5+ years exp

Prospera Credit Union is a local, member-owned financial institution in the Fox Valley area, seeking a Senior Mortgage Loan Originator to help members achieve homeownership. The role focuses on providing expert guidance and personalized mortgage solutions while ensuring compliance with lending regulations and maintaining high-quality member service standards.

BankingFinanceFinancial Services

Responsibilities

Engage with members to assess mortgage needs, provide product recommendations, and guide them through the application process, ensuring clarity and transparency

Understanding of secondary market principles, loan sale readiness, and delivery standards

Demonstrated ability to interpret credit reports, DU/LP findings, income documentation, and collateral evaluations

Maintain compliance with all applicable mortgage lending regulations including but not limited to: Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)

Consistently meet or exceed individual loan production goals, while maintaining high-quality documentation and member service standards

Collect and review all necessary documentation, ensuring accuracy and completeness to facilitate efficient underwriting and closing processes

Assemble, document, and maintain accurate and complete loan files, including approvals, denials, and returned applications

Develop and maintain strong relationships with members, provide ongoing support and identifying opportunities for additional financial services that align with their needs

Proactively build and maintain referral relationships with realtors, builders, and other community partners to generate qualified mortgage leads

Stay informed about industry trends, market conditions, and new mortgage products to provide members with the most current and beneficial options

Qualification

Mortgage lending experienceLending regulationsLoan origination systemsBachelor's degree in financeInterpersonal skillsHigh degree of professionalismCommunication skills

Required

Bachelor's degree in finance, business, or a related field or equivalent work experience in mortgage lending, real estate finance, or a related field may be considered in lieu of a degree

5–10 years of experience in mortgage lending, with a proven history of successful loan origination and member service

Must meet all requirements under the SAFE Act, including eligibility for licensing and registration with the Nationwide Mortgage Licensing System and Registry (NMLS)

Strong understanding of conventional and government mortgage products, secondary market guidelines, and lending regulations

Excellent interpersonal and communication skills, with the ability to build strong relationships with members and referral partners

Proficiency in mortgage loan origination systems (LOS), digital lending tools, and Microsoft Office Suite

High degree of professionalism, discretion, and integrity when handling confidential member information