Mortgage consultant job description

This position will be based in Columbia, SC and will be provided with company-generated leads but those leads need to supplemented by self-generated referral business. Compensation will be base pay and commission based with the ability to earn up to $100K+ annually! The Loan Originator will be responsible for interviewing new and existing customers to determine their financial needs and advising those customers of appropriate products, terms, and pricing. The Loan Originator will navigate the borrower through the process and help to gather required information through clear and timely communication. The Loan Originator is the first line of defense for the company and its investors, he or she is responsible for the submission of clear accurate loan documentation and maintaining industry compliance regulations. The Loan Originator must ensure appropriate procedures are followed while meeting sales goals and objectives.

Job Requirements:

• Established relationships with local referral networks
• Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
• Proficient in product guidelines for Conventional, FHA, and VA loans
• Strong PC skills and experience utilizing laptop technology
• 1-2 years mortgage industry experience preferred
• FL Mortgage Loan Originator license required, FBC will pay for other state licenses as needed

What We Offer:

· Opportunity to become a part of a reputable Mortgage Lender that has built a proven template for success in the Residential Lending Industry

· Confidence in our internal operations staff to be able sell and deliver on service level commitments to your clients and referral partners

· Ability to grow client and referral partner base

· Access to Underwriters when needed

· Support to build long term client and referral partners relationships

· Extensive Loan Product Options to offer your clients

· Industry Leading Technology with Paperless Workflow Systems

· Marketing Department to support you through customized campaigns directed at your specific target markets.

· Ability to earn “Marketing Credits” based on loan volume to pay for your marketing efforts

· Corporate Trainer for the Encompass Loan Origination System

Genisys Credit Union, a progressive $35.5 billion credit union, is seeking an inside Mortgage Originator for our Minnesota Region. Genisys CU is extremely member-focused and our Mortgage Originators are no different! This position receives a robust number of leads that are generated internally by branch referrals so consistent follow-up with members during the origination process is expected. Fostering an educational, informative, and supportive dialogue with members during their purchase or refinance transaction is critical as well. The qualified applicant should possess a minimum of three years of lending and residential mortgage loan origination or equivalent experience, knowledge of state and federal lending regulations, and secondary market guidelines. NMLS License Required (cost covered by Genisys CU). Established relationships with realtors and other third parties in the industry are preferred but not required to apply for this position. The applicant is expected to have strong communication and interpersonal skills, the ability to promote a positive and productive team atmosphere, along with a high level of member service. Not only does Genisys CU offer a generous compensation plan with unlimited earning potential along with benefits, but we also maintain a focus on work-life balance. Applicants looking to make a difference in the lives of others by helping them achieve their home ownership dreams in addition to providing themselves with a healthy compensation plan with unlimited earning potential are encouraged to submit an application.

Originate mortgage applications, prepare mortgage documents, and work with the members and the mortgage team to quickly process all applications, and develop realtor relationships.
Job Duties (include but not limited to):

Interview members to determine eligibility for the various types of mortgage programs Ability to explain all standard mortgage documents to the member Review and analyze all documents submitted by members at application Soliciting new loan business through existing and/or future business relationships Cross sell the Credit Union products and services to members Maintain timeliness and prompt turn-around time


Qualifications/Requirements:


Minimum of three years of lending and residential mortgage loan origination Knowledge of state and federal lending regulations and secondary market guidelines Established relationships with Realtors and other third parties in the industry preferred Knowledge of determining credit worthiness preferred Understanding of Credit Union philosophy and functions a plus


Skills/Abilities:


Strong communication skills, both verbal and written Ability to build strong business relationships Strong time management skills Well organized and detail-oriented


Benefits:


Vacation and Paid Time Off Health, Dental, Vision, Life Insurance, Flexible Spending Accounts, & Short Term/Long Term Disability Available Paid Tuition to $5000 per year Bereavement Pay Holiday pay at 8 hours per observed holiday Free Financial Planning Assistance 401k up to 3% match and 5% Profit Share

EOE M/F/Disability/Veteran

Nusenda Credit Union is dedicated to excellent member service, care for our community, and being a great place to work. We work to make a positive difference in the lives of the people we serve and help them achieve their financial goals. Diversity, equity, and inclusion are part of our culture and values.

We invest in people and their careers. Our competitive employee benefits include healthcare, a fully paid pension plan and 401(k) matching contributions, and professional development and tuition reimbursement.
Thank you for your interest in joining the Nusenda team!

We are currently seeking a Mortgage Loan Originator to join our organization. As a Mortgage Loan Originator with Nusenda Credit Union, you will assist the Mortage Production team by assisting members with their mortgage lending needs, analyzing loan requests, and making credit decisions based on the mortgage lending policy. Every day, you will review and evaluate information on mortgage loan documents to determine if buyer, property, and loan conditions meet bank and regulatory standards. You will approve or reject loan applications, or request additional information. You will establish the terms and conditions of an approved loan and review it with members.

To thrive in this role, you should have three to five years of similar or related mortgage lending experience. This position is one part sales and one part member service. This might be the role for you if you enjoy work requiring salesmanship, interpersonal communication, and relationship management.

Key Skills and Experience:


Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet bank and regulatory standards. Approves or rejects loan application, or requests additional information Establishes terms and conditions of an approved loan and reviews with member Markets the Credit Union's mortgage lending program to companies and individuals within the real estate community

Courtesy, tact, and diplomacy are essential elements of the job Must have good communication skills 10-key calculator and keyboard skills required Cross-sells other Credit Union services


Nusenda Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.