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Texans Credit Union · 1 day ago

Mortgage Loan Originator Assistant

Richardson, TX

Full-time

Onsite

New Grad, Entry Level

Texans Credit Union is a financial institution focused on providing quality services to its members. They are seeking a Mortgage Loan Originator Assistant to support mortgage lending operations by assisting with home loan applications, gathering documentation, and ensuring compliance with lending regulations.

AccountingBankingFinancial Services

Responsibilities

Provide excellent member service and develop relationships with internal and external members

Follow the credit union's Real Estate Lending credit program consistent with strategic initiatives, governing Texas Home equity credit laws, rules, and regulations

Support loan originators in managing their pipelines by monitoring key dates, status changes, and follow-ups

Communicate a thorough understanding of different loan programs and closing costs to help applicants decisioning

Ensure loan data integrity by entering, reviewing, and updating information across loan systems

Maintain proactive communication with members, responding to routine inquiries and following up on documents

Review documents and loan files withing 24 hours of receipt, to identify missing or incorrect information and collaboratewith loan originators to resolve issues promptly

Perform daily outbound calls to incoming leads sourced by online submissions, and by mortgage loan originators

Take telephone applications and schedule appointments with mortgage loan originator, and realtor appointments

Regularly review loan process by monitoring loan status, term conformity, and regulatory guidelines

Pull credit reports, and Automated Underwriting System reports (e.g., DU, LP), and properly prepare for review/assessment

Create, develop, and update policies and procedures

Achieve measurable goals and other duties as necessary to achieve the goals of the credit union and department

Meet with your manager (scheduled one on one) bi-weekly and is an active participant in team/department meetings

Promotes and cross-sells credit union services/products that are beneficial to our members

Presents compiled data and provide data-driven and member- focused recommendations

Must have the ability to travel from branch to branch and to other business-related locations

Completes any other job- related duties needed that reinforce Texans Credit Union’s EPIC values, traits, and behaviors

Supports data requests associated with originations of loans

Qualification

Mortgage originationTexas Home equity productsRegulatory complianceSales abilityReal estate knowledgeCustomer service skillsInterpersonal skillsPresentation skillsOral communicationWritten communication

Required

Minimal developed sales ability

Must meet and comply with all requirements set forth in SAFE Act, include but not limited to successful completion of the required background checks and obtaining a Unique Identified from the NMLS

Basic knowledge in first liens and second liens with a working knowledge of Texas Home equity products, construction loans and lot loans

Excellent member service skills; exceptional interpersonal, presentation, and oral communication skills

Some knowledge in the areas of Truth-in-Lending, Equal Credit Opportunity Act, Fair Credit Reporting Act, Dodd-Frank, TRID and Texas State Home Equity Laws as well as supporting knowledge in market trends in Real Estate lending

A two-year college degree or completion of a specialized course of study at a business or trade school or related field or high school diploma or equivalent

Basis knowledge of real estate, mortgage origination, and lending experience required

Basic knowledge of local, state, and federal laws (e.g., Truth in Lending, & RESPA)

Working knowledge of FNMA, FHA, VA, and private investors

Ability to analyze financial information

Excellent verbal and written communication skills

Developed sales ability