Mortgage Loan Originator, Remote - Notre Dame Federal Credit union : Job Details

Join to apply for the Mortgage Loan Originator, Remote role at Notre Dame Federal Credit Union

Join to apply for the Mortgage Loan Originator, Remote role at Notre Dame Federal Credit Union

PRIMARY FUNCTION:Within authorized authority, and in accordance with sound underwriting practices as set out in policy and procedure, this position interviews mortgage loan applicants, initiates applications for credit or extension of lines of credit secured by real property at the members home, place of business, or other appropriate locations external to the organizations facilities. Assists members with other products the Credit Union offers. Plans and participates in real estate business development activities required to promote real estate loan products. This individual will also periodically assist the Department Manager in the daily operations and planning of the mortgage function.

Brief Description PRIMARY FUNCTION: Within authorized authority, and in accordance with sound underwriting practices as set out in policy and procedure, this position interviews mortgage loan applicants, initiates applications for credit or extension of lines of credit secured by real property at the members home, place of business, or other appropriate locations external to the organizations facilities. Assists members with other products the Credit Union offers. Plans and participates in real estate business development activities required to promote real estate loan products. This individual will also periodically assist the Department Manager in the daily operations and planning of the mortgage function. ESSENTIAL DUTIES & RESPONSIBILITIES: This position must effectively carry out the essential duties of this position in a manner that consistently demonstrates the core values of Notre Dame Federal Credit Union in a positive manner. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The duties identified below are the essential functions of the position and other duties may be assigned.

• Personally interviews applicants and requests specified information for loan application. Correct information must be recorded in written form or by computer where automated loan processing technology is available.
• Generates referral business, leads, and relationships with existing clients, past clients, members, Select Partner Groups, and real estate professionals.
• Analyzes potential opportunities in each lending situation to further assist the borrower as well as increase the Credit Unions relationship.
• Provides financial counseling through interviewing, taking applications, and pre-qualifying applicants.
• Ensures loan agreements are complete and accurate according to policy and requirements set out in regulation, law, or secondary market requirements for real estate loans.
• Ensures the successful resolution of mortgage applications and any related problems.
• Successfully cross sell other lending, deposit, or investment products to all borrowers including educating borrowers on the benefits of utilizing other Credit Union services.
• Gives sales presentations to Credit Union staff, members, Select Partner Groups, Realtor/Builder offices, and through member mortgage seminars.
• Provide periodic reports and assist in product development/training to ensure the growth and development of a variety of loan products.
• Keep apprised market trends and assist in the development/implementation of new products and share trends with appropriate personnel as necessary.
• Maintain up-to-date knowledge of lending guidelines to ensure that decisions made are knowledgeable and reasonable and shares the guideline updates to appropriate personnel.
• Represents the Credit Union at Realtor/Builder sales meetings, luncheons, association meetings and business/social events by participating at the events and volunteering for committee assignments.

SUPERVISORY RESPONSIBILITIES: No requirement. PERFORMANCE STANDARDS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. This position demands accuracy in documentation -- from application taking to closing documentation -- and following established policies, practices, and procedures for originating and closing of real estate lending. Must possess the ability to originate loans so they may be properly closed in a timely manner. Make office calls to Realtors/Builders, Branches, and Select Partner groups on a regular basis. Requirements QUALIFICATION REQUIREMENTS: The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential function. EDUCATION AND/OR EXPERIENCE:

• Bachelors degree in Business or related field of study
• In addition to a minimum of 3-5 years experience in origination/serving/underwriting.

LANGUAGE SKILLS: Qualified person must be able to read and interpret documents such as credit bureau reports, debt to income ratio reports, policy and procedure manuals. Ability to write routine reports and correspondence along with the ability to speak effectively with borrowers and other partners of organization will be required. MATHEMATICAL SKILLS: Individual must be able to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. The individual must have the ability to compute rate, ratio, and percent and to draw and interpret bar graphs. REASONING ABILITY: Must have the ability to solve practical problems and deal with a variety of concrete variables in situations where a considerable amount of standardization exists. In addition, the individual must be able to interpret a variety of instructions furnished in written form, including but not limited to Loan Policy and Procedural Manuals, Regulation Z, The Fair Credit Reporting Act, and Mortgage Lending regulations. OTHER SKILLS & ABILITIES: Must possess excellent communication, organization, time management and decision-making skills and have extensive knowledge of all types of mortgage loan programs as well as thorough knowledge of secondary market requirements. In addition, this position must have a thorough knowledge of Federal and State regulations affecting mortgage lending plus a working knowledge of secondary market requirements including origination, underwriting, documentation, loan delivery and servicing 1-4 family loans including construction loans and FHA/VA products. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by a partner to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the partner is regularly required to use hands to finger, handle or feel objects, tools, or controls and talk and hear. The partner frequently is required to walk and sit. The partner is occasionally required to stand, reach with hands and arms and stoop, kneel, crouch or crawl. Specific vision abilities required by this job include close vision, peripheral vision, and the ability to adjust focus. The partner must occasionally lift and/or move up to 20 pounds. MENTAL DEMANDS: The partner is frequently required to use alertness, precision, resourcefulness, problem solving, numeric, persuasiveness, auditory perception, memory, creativity, concentration, judgment, writing ability, reading ability, reasoning, imagination, initiative, patience, visual perception, comparing and analyzing. WORK ENVIRONMENT: The work environment characteristics described here are representative of those a partner encounters while performing the essential functions of this job. The noise level in the work environment is usually quiet to moderate. REGULATORY COMPLIANCE & CONFIDENTIALITY: Follows regulatory and policy compliance requirements, which would include those efforts in compliance with Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC) and Anti-Money Laundering (AML) Regulations, and other compliance related Policies. Also, this position requires maintaining confidentiality with regard to non-public information about our members and Notre Dame Federal Credit Union. Summary Notre Dame Federal Credit Union humbly began in 1941 as a conversation between two professors from the University of Notre Dame. Now, over 75 years later, we have grown into a national, award-winning financial institution serving over 56,000 members worldwide. We consider our partners (employees) to be one of our greatest assets to this success. We strive to make great things happen for our members and partners by changing one life every day. If you share that same passion for making an impact on someones life, you should apply to join the Notre Dame FCU family. Available Benefits Include the Following:

• Medical PPO Plan
• Dental
• Vision
• Telehealth
• Flexible Spending Accounts- Medical and Dependent FSA options available
• Employee Assistance Program for you, your spouse, children, and any immediate family members living in your household.
• Retirement
• Notre Dame Federal Credit Union matches 100% of the first 5% you contribute plus 50% of the next 1% deferred per calendar year excluding bonus monies paid.
• Life and AD&D Insurance- Basic and Supplemental options available
• Supplemental Life and AD&D Insurance is available for spouses and dependent children
• Paid Leave
• 15 Paid Holidays
• Bereavement
• Workers Compensation
• Short-Term Disability
• Long-Term Disability
• Jury Duty
• Leave Benefits- FAMLI and FMLA
• Tuition Benefits
• After working with the credit union for two full years, the credit union will reimburse you up to $2,000 per fiscal year for relevant undergraduate and graduate courses.
• After ten years of service, the credit union will provide up to $2,000 per semester (up to 8 semesters) for your dependent children to attached university or college.
• Partners can attend and graduate from Dave Ramseys Financial Peace University at no cost.
• Consumer Loan Discount
• Partners receive a 0.25% rate discount and the processing fee is waived
• Mortgage Benefit
• Partners receive up to $2,000 when purchasing or refinancing a home with the credit union.

We are an Equal Opportunity Employer, Females/Minority/Veterans/Disabled/Sexual Orientation/Gender Identity/Religion/National Origin This position is remote and is expected to remain open until August 1, 2025. Seniority level

• Seniority level Mid-Senior level

Employment type

• Employment type Part-time

Job function

• Job function Finance and Sales
• Industries Banking

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