Meritrust Credit Union · 10 hours ago
KS Home Equity Loan Originator
Wichita, KS
Full-time
Onsite
Mid Level
$17/mo - $17/moMeritrust Credit Union is dedicated to fostering a diverse and inclusive culture. The Home Equity Loan Originator drives the growth of home equity loans and HELOCs by consulting with members and guiding them through the lending process, while also building referral networks and ensuring compliance throughout the transaction.
Banking
Responsibilities
Generate applications via branch partnerships, outbound calling, digital leads, community outreach, and COIs (realtors, builders, financial advisors)
Maintain a disciplined pipeline; prioritize files to meet cycle‑time and funding goals
Conduct needs assessments; explain home equity loans vs. HELOCs (rates, terms, draw periods, repayment features, fees)
Provide accurate payment estimates; set clear expectations on timelines and documentation
Take and submit complete applications; collect income/asset/occupancy documents; order credit; verify title and lien position
Ensure accurate data entry in LOS (e.g., Encompass/Empower) and CRM; issue required disclosures within TRID timelines
Structure loans consistent with policy (LTV/CLTV, DTI, collateral, pricing)
Coordinate appraisal/AVM, title, flood, insurance; clear conditions; schedule closing and review final terms
Adhere to SAFE Act/NMLS, ECOA/Reg B, TILA/Reg Z, RESPA/TRID, HMDA, FCRA, Fair Lending, BSA/AML/KYC
Protect NPPI and follow all information security protocols
Collaborate with underwriting, processing, closing, servicing, and branches to remove bottlenecks and improve member experience
Provide feedback to product/pricing teams on market trends and competitive positioning
Deliver proactive status updates; resolve escalations; drive high satisfaction (NPS/CSAT)
Identify opportunities to deepen relationships (e.g., checking, credit cards, digital banking adoption)
Qualification
Required
Experience in business development and pipeline management for home equity loans and HELOCs
Ability to conduct needs assessments and explain home equity loans vs. HELOCs
Experience in taking and submitting complete loan applications and collecting necessary documentation
Knowledge of structuring loans consistent with policy (LTV/CLTV, DTI, collateral, pricing)
Familiarity with compliance and risk regulations including SAFE Act/NMLS, ECOA/Reg B, TILA/Reg Z, RESPA/TRID, HMDA, FCRA, Fair Lending, BSA/AML/KYC
Ability to collaborate with cross-functional teams including underwriting, processing, closing, servicing, and branches
Strong focus on member experience and retention, including delivering proactive status updates and resolving escalations
Proficient in data entry in LOS (e.g., Encompass/Empower) and CRM
Benefits
Comprehensive medical insurance plan
Dental and vision insurance
Generous paid-time-off
12 paid holidays
401(k) plan
Wellness program
Tuition assistance
Employee loan discount
Employee Assistance Program (EAP)
Life and disability coverage
Company
Meritrust Credit Union
Meritrust Credit Union offers loans, insurance, financial education, digital banking, and other services.
Founded in 1935
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
James Nastars
President/CEO
Jess Howard
VP, Chief Financial Officer
Recent News
2025-11-02
2025-11-01
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