Mortgage Originator (Lynchburg area)
- Paid Time Off plan, 8 hours of paid volunteer time, YOUnity Day (paid time off to celebrate a holiday that may not fall within the federal holidays)
- Twelve weeks paid leave and paid parental leave
- Up to 12 paid holidays
- 401(k) with 100 percent employer match up to the first six percent
- Tuition reimbursement
- Medical, dental, and vision insurances.
- Company-paid life insurance and short-term/long-term disability plans
- Originates real estate loans by conducting member interviews, researching background information, analyzing current credit reports and processing applications.
- May meet with members personally, by telephone and/or electronically for interviewing, financial counseling, loan disbursement, and decision explanations.
- Assists with the coordination of loan administration including monthly, quarterly and annual reporting.
- Develops and maintains business relationships with realtors, builders, financial professionals, attorneys, and real estate related vendors.
- Ensures compliance with Federal, State, and regulatory guidelines and procedures. Assist management in reporting annually on HMDA.
- Assists with training of personnel on real estate related promotions/topics.
- Assists management and marketing personnel in promoting real estate products and services. Must be able to communicate effectively with all levels of members and co-workers.
- Must have detailed knowledge of credit scoring, credit reporting, loan alternatives in financing, cross selling, as well as real estate loan processing and disbursement.
- Responsible for keeping up to date on current real estate lending procedures and rates, as well as program and product knowledge in the secondary market.
- Must insure the integrity and privacy of all information regarding members' accounts.
- Maintains an acceptable level of delinquency for dollars loaned for real estate as set forth by the Board of Directors and management.
- Provide coverage at the front desk as needed in the Real Estate Center.
- Promote additional credit union products and services that will enhance member value in the credit union.
- Actively demonstrates and supports Internal and External Service Standards as established by the credit union.
- Occasionally may be assigned other duties that support the credit union's Mission and Vision Statements.
- Meets with members and potential members at any Member One Branch location.
- Weekend, and after-hours availability for realtor and member calls for home loan questions.
- Actively market to Member One Branches on site and assist Business Development in developing new sources of business.
- Market to Member One Database of clients.
- Comply with all federal regulations, credit union policies and procedures, including Bank Secrecy and the USA Patriot Act.
- Comply with all fair lending laws and the prohibitions enumerated in the credit union's lending policy.
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