Cardinal Credit Union · 2 days ago
Mortage Loan Originator
Mentor,OH,US
Full-time
Onsite
Entry, Mid Level
2+ years expCardinal Credit Union is seeking a Mortgage Loan Originator responsible for originating various types of mortgage loans including conventional, VA, and FHA loans. The role involves conducting prequalification interviews, preparing loan application packages, and maintaining relationships with realtors and other professionals to ensure a consistent pipeline of mortgage opportunities.
BankingFinancial Services
Responsibilities
Responsible for originating conventional, VA, and FHA mortgage loans, as well as construction, second mortgages, and HELOCs
Conducts initial prequalification interviews, prepares complete loan application packages, and gathers all necessary documentation
Communicates and applies Credit Union and secondary investor lending policies to ensure sound credit decisions are made
Reviews and evaluates loan applications for completeness and compliance with relevant regulations
Provides mortgage support services, assisting members with inquiries, maintaining accurate records, and performing related administrative duties
Keeps all involved parties—borrowers, Realtors, title companies, and other stakeholders—informed throughout the process
Assumes responsibility for the effective and professional completion of assigned loan origination functions
Interviews, takes applications, and processes preliminary documentation on loan requests
Discuss loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members
Performs follow-up work as necessary to achieve conditional approval within established time frames
Notify member if loan is referred back to Officer because of problem ratios or credit ratings
Advises members of loan approval or denial
Explain loan denials precisely and clearly to members
Assumes responsibility for providing effective clerical support for all phases of mortgage loan activities
Reviews for new loan applications
Orders, credit reports, and title reports from vendors/providers approved by the VP of Lending
Logs of dollar amounts received and verified employment, salary, assets, and liabilities
Resolves loan application problems
Assists applicants with addressing credit report problems, low appraisals, low salary levels, and high debt ratios
Reviews information for completeness and accuracy
Clarifies missing or questionable information
Follows up with outside sources of outstanding documents
Ensure that all necessary items are available for underwriting
Tracks development of information to ensure compliance with underwriting guidelines
Resolves conditions of underwriting
Submit all loan files with original documentation to the mortgage loan department within 3 business days of the application
Communicates status of loans to buyer, seller, realtor, and title company
Obtains information for homeowner's insurance from borrower
Calculations closing costs
Prepare monthly sales reports for the Mortgage Manager
Prepares miscellaneous correspondence and records
Assumes responsibility for establishing and maintaining professional business relationships with members and mortgage professionals
Resolves (or refers) requests and problems promptly and courteously
Answers loan questions regarding applications in the process of approval, payments, balances, and insurance requirements
Keeps members and realtors properly informed of Credit Union policies and procedures
Notify members of additional information required
Maintains and conveys the Credit Union's professional reputation
Assumes responsibility for establishing and maintaining effective coordination and communication with Credit Union personnel and with management
Assists and supports Mortgage Loan personnel as needed
Completes reports and records promptly and assumes responsibility for related duties as required or assigned
Performs miscellaneous clerical functions as needed
Keeps work area clean, secure, and well maintained
Replace absent Mortgage Loan personnel as required
Professionally cross-sells Credit Union services
Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending
Qualification
Required
Two years to five years of similar or related experience
A two-year college degree or completion of a specialized course of study at a business or trade school
A significant level of trust and diplomacy is required, in addition to normal courtesy and tact
Knowledge of the secondary market and experience with first and second mortgage residential real estate lending
Company
Cardinal Credit Union
Cardinal Credit Union is a full-service financial cooperative serving Lake, Geauga, Cuyahoga, Ashtabula, Portage, Summit and Mahoning.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$2.69MKey Investors
Inclusiv
2025-03-03Grant· $2.69M
Leadership Team
Christine Blake
President / CEO
Lanny Berlingieri, CPA
Chief Financial Officer
Recent News
2025-10-30
2025-10-07
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