Mortgage Originator (Lynchburg area)

: Do you have experience developing mortgage relationships? Do you enjoy helping others obtain their dream home? We are in the business of making financial dreams come true. Come work with passion, purpose, and pretty amazing people at Member One FCU! Member One Federal Credit Union is dedicated to helping members successfully manage their finances and strengthen the communities we serve. Our goal is to enhance member relationships by providing a knowledgeable team that offers exceptional services. We are looking for a Mortgage Originator to serve members with Real Estate Sales . We work in a collaborative work environment where we are motivated to redefine what the “member experience” looks like at all levels of the organization. This role will support external member experience by providing financial mortgage lending knowledge and services to members of Member One FCU. Benefits for you:

• 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

Locations : This position will support real estate members and will require travel throughout the footprint as needed. Job Summary: This position evaluates mortgage applications, makes credit decisions on loans considering the character, capacity, and collateral of each member who is in good standing with the credit union. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• 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.

Required Education and Experience: High School diploma required B.A. or B.S. in Finance or business related degree preferred. Previous mortgage lending experience preferred. Excellent oral and written communication skills. Understanding of financial products and services. NMLS registered and subject to a criminal background check. Ability to correctly analyze and interpret financial information. Ability to resolve difficult situations through education and counseling. Current working knowledge of personal computers and software applications. Ability to deal tactfully, effectively, and professionally with members, potential members and coworkers. Member One Federal Credit Union (MOFCU) is committed to the full inclusion of all qualified individuals. As part of this commitment, MOFCU will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact a member of our People Operations Team at 540-982-8811 or [email protected]. Member One is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. M/F/Disability/Covered Veteran. XJ6