A+ Federal Credit Union · 4 hours ago
Mortgage Loan Originator I
Austin, TX
Full-time
Onsite
Entry Level
$25.39/hr - $25.39/hr
2+ years expA+ Federal Credit Union is seeking a Mortgage Loan Originator I to support members with their home-financing needs. This role focuses on originating home equity loans and lines of credit while delivering exceptional member service and learning the fundamentals of mortgage lending.
BankingDebit CardsFinancial Services
Responsibilities
Originates home equity loans/lines of credit loans with a target product mix of approximately 80% home equity loans/lines of credit and 20% conforming conventional first mortgage loans
Collects and reviews loan application information for home equity and first mortgage files, including credit reports, income documentation, and asset verification, while learning how to evaluate full conventional first mortgage credit packages
Assists in evaluating interest rates and mortgage programs and recommends appropriate home-equity and introductory mortgage solutions to members, with guidance from more experienced Mortgage Loan Originators
Explains loan terms, conditions, and requirements to applicants in a clear and member-friendly manner, ensuring alignment with credit union policies and regulatory standards
Submits complete and accurate loan applications along with all required supporting documentation to the processing team, building skill and confidence in preparing first mortgage files over time
Collaborates closely with the mortgage operations team to ensure loans move efficiently through processing, supporting a smooth member experience
Utilizing the consultative conversations approach, recommend other Credit Union products and services to enhance member relationships
Participates in training and development activities designed to expand knowledge of conventional, conforming first mortgage purchase and refinance lending
Stay current on all relevant mortgage lending laws and regulations, ensuring all loan origination activities are transparent, compliant, and focused on protecting members while minimizing risk to the Credit Union
Complete all required annual compliance training as required by the Credit Union
Assist the mortgage leadership with special tasks and projects
Maintain confidentiality
Perform other duties as assigned
Qualification
Required
High school diploma or G.E.D equivalent required
Two years of financial institution experience required
Two years of sales-focused experience required
Knowledge of Home Equity Loan and Home Equity Line of Credit products
Knowledge of necessary documentation for disclosure and compliance purposes (Real Estate Settlement Procedures Act, Truth in Lending, Integrated Disclosure Rules, Equal Credit Opportunity Act, Fair and Accurate Credit Transactions Act, Home Mortgage Disclosure Act)
Excellent written and verbal communication skills, strong math/accounting analytical and data entry skills
Attention to detail to provide accurate, relevant, and timely information to internal and external members
Ability to work independently and as part of a team, with flexibility to adapt to change
Must be dependable, self-motivated, and require minimal supervision
Critical thinking skills, including dealing with potential conflict
Must have the ability/stamina to work at least 40 hours a week
Will frequently reach, feel, bend, stoop, carry, finely manipulate, and key in data
Must be able to engage in problem-solving skills to help identify and solve potential issues in the field
Must be able to communicate heavily through telephone, e-mail, and in-person communications
Preferred
Bachelor's degree is strongly preferred
Two years of lending experience preferred
Bilingual Spanish preferred
Company
A+ Federal Credit Union
A+ Federal Credit Union is a full-service financial institution that offers financial education, credit union, and online banking services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Julie Bowering
Senior Vice President of Lending
Recent News
2025-10-17
2025-09-25
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