Salary Info:
$21.
26 - $26.
57 hourly base plus an uncapped commission structure
Mortgage Originator
Abound Credit Union has an opportunity for you to join an established, well-recognized industry leader located in the heart of the expected economic explosion related to the Blue Oval Project here in central Kentucky.
Our current product lineup includes government loans, conforming agency loans, construction/perm loans and other unique portfolio loan options to fit nearly any situation – a one stop shop for potential clients.
We are looking for a seasoned mortgage professional that can leverage their existing network of referral sources, our brand recognition, incredible products and support teams to achieve over the top results.
We are different - Driven by our selfless dedication to members and community.
We create a connected, learning-driven, and fun environment that fuels our passion to inspire financial wellness.
We do that by sharing our knowledge, strength, and accessibility to provide market-leading value that makes more possible for our members.
Here at Abound Credit Union, culture is a big deal.
We roll up our sleeves each day to make this an awesome place to work.
We want to bring great things to our communities, be awesome to each other, ready for whatever comes our way, and are hungry to learn and grow as people and professionals.
Our best is built from the inside out.
What You’ll Do:
Generate prospective mortgage loan applicants.
Provide expertise and guidance to members and potential members on mortgage products and opportunities.
Provides product expertise and support as needed to branch team partners.
Learn and maintain knowledge of available mortgage lending products
Collect appropriate documentation from borrowers to successfully complete the loan approval process
Manage pipeline for loan origination through approval and closing
Maintain high level of customer service and provide updates to the customer during the loan process
Effectively work a referral network to grow a portfolio of customers
What We Need:
Applicants for this position must successfully complete and pass the eligibility requirements for registration under the Secure and Fair Enforcement for Mortgage Licensing Act (S.
A.
F.
E Act), which requires Federal Registration under the Nationwide Mortgage Licensing System and Registry.
Applicants at the minimum must furnish the Registry with information concerning the applicant’s identity including: (1) Fingerprints for submission to the FBI and any other relevant governmental state agency for a State and national criminal history and background check; and (2) personal history and experience including authorization for the Registry to obtain information related to any administrative, civil or criminal findings by governmental jurisdiction.
Failure to successfully pass the Registry background screening requirements could result in loss of position and/or employment.
Bachelor’s Degree in Business, related field or equivalent work experience.
Extensive and detailed knowledge of real estate mortgage lending laws, regulations, policies and procedures applicable to both primary and secondary markets.
Ability to analyze applicant’s credit risk (the 4 C’s of underwriting, capacity, capital, collateral and credit) and perform income analysis for self-employed borrowers.
Strong working knowledge of all loan origination, and maintenance software.
Ability to understand and use secondary market automated underwriting system in conjunction with credit union software.
Friendly, outgoing manner, ability to deal with members with tact and courtesy and maintain professional demeanor in all situations.
Ability to operate a personal computer with a high level of proficiency in such software applications as word processing, spreadsheets, internet and email.
Ability to operate a fax, calculator and copier.
Self-motivation, enthusiasm, and initiative with a willingness to support others within the Credit Union.
Ability to write and speak effectively.
Ability to effectively communicate credit union products and services in order to cross-sell and train staff.
Our Benefits:
Great Salary
PENSION
Health, dental, vision and other insurance coverage
Paid Personal Time Off
Paid holidays
Life Insurance
Short and Long-Term Disability
401(k) with matching funds
Tuition Reimbursement
HSA, FSA, and Dependent Care Spending Accounts