Job Description

OVERVIEW:
The Mortgage Originator is responsible for consulting with current and potential members regarding mortgage loan and other loan options. The Originator collects the required financial information including but not limited to employment history, assets, investments, and debts to complete the loan application. The Originator discusses the loan options and terms and conditions and matches the member's need with a product solution. In addition to internal leads, the originator is responsible for networking with the local realtor organizations to generate external leads.
As part of the retail team, the Mortgage Originator helps Empeople Credit Union gain loyal members by creating legendary experiences while helping members actively manage their mortgage. When establishing relationships, they uncover common financial problems, root causes, and solutions for a target segment of our members and can identify candidates for our Ongoing Financing Guidance program.
**Would consider Quad City Area applicants RESPONSIBILITIES:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. QUALIFICATIONS:
Knowledge Of:

• Empeople products and services including financial guidance process and tools.
• Credit Union policies and procedures pertaining to Real Estate and Consumer loan products.
• Differences in products and services offered by other financial institutions to those offered by Empeople CU.
• Current secondary mortgage market and products.
• Consumer financial health needs.

Ability To:
Operate a PC using the following software applications Windows, Outlook, Word and Excel.
Operate the Credit Union's Real Estate software for mortgage loan processing.
Identify additional business opportunities with real estate borrowers.
Network with vendors and partners in the real estate business, to include realtors, relocation specialists and other lenders.
Possess the confidence to make on-the-spot decisions while always having a positive attitude.
Work with minimal supervision.
Exhibit a pleasant disposition under all circumstances.
Effectively communicate with members to sell credit union products and services.
Work nights and weekends during the busy season. ESSENTIAL FUNCTIONS:
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Exemplify the Empeople Core Values - We Care, We Serve, We Teach, We Learn - and Service Commitment in everyday activities.

• Reviews applications to ensure each member meets established loan policy guidelines for approval of ARM loans by analyzing the debt to income, applicant credit score and loan to value ratio; approves the loans based on pre-determined limits as outlined in the loan policy.

Screens applications for fixed rate mortgage loans to select appropriate product based on secondary market guidelines; if pre-screen is acceptable the mortgage originator runs the application through desktop underwriter to obtain mortgage findings.
Uncover FHA and VA opportunities utilizing our Third-Party Originator.
Provides initial approval on mortgage loans by examining application and supporting documentation, estimating creditworthiness and calculating repayment risk.
Interviews applicants and enters required information directly into the on-line mortgage application; ensures applications include all required and accurate documentation.
Manages pipeline up to 35 loans to close 18-24 mortgage loans per month; maintains contact with all mortgage members in pipeline to ensure proactive member service.
Maintains an error-free client file and ensures all borrower specific information, financing disclosure statements and closings are confidential, well filed, and stored according to the standards of the law.
Gathers applicant financial status, credit, and property evaluation to determine feasibility of granting loan and approvesor submits application to Underwriting Manager for approval.
Collaborates with underwriters, processors, vendors, and other team members to ensure a smooth and timely loan approval process.
Collaborate across departments by working with internal referral partners to help members reach their financial goals. Generates opportunities to promote products and service-usage to members, specifically HELOCs, checking, other consumer loans and Empeople Investment & Retirement Services.
Conduct effective presentations to small and large groups of members and prospects both in personal and virtually, as needed. This would include but not limited to Lunch and Learns and Facility table events with Relationship Managers. Maintain a professional workspace and appearance on Teams to be prepared for face-to-face encounters with members and co-workers virtually.
Consistent follows-up with members who have received pre-qualifications and consults with them regarding questions and concerns and works to move them into processing.
Maintain a high standard of member satisfaction and quality by ensuring timely and proactive member communication before, during, and after the loan process.
Build and maintain strong relationships with members, Realtors, builders, and other industry professionals. Proactively networks with local realtors and attends realtor functions to promote the credit union's products and services.
Develops business referral network through marketing, cold calling, prospecting, and networking activities; participates in community efforts to promote home ownership through Empeople CU
Develop Empeople's Members (Provide Ongoing Financial Guidance):
Study and understand the common financial problems, root causes, and solutions for a target segment of members.
Establish relationships with members and co-develop financial game plans to address problems and objectives.
Provide appropriate guidance, services, and products to keep members on track, serving as accountability partner, to meet their goals and objectives.
REQUIRED EDUCATION AND EXPERIENCE:
Bachelor's degree in business or equivalent experience plus 2 years of verifiable success in a sales role.
License or Certification:

• Bondable
• Acceptable Credit History
• Meet SAFE Act Requirements

COMPETENCIES:
Applicants must possess a growth mindset and present themselves with a professional demeanor in appearance, speech, and writing. Qualified applicants will demonstrate the following qualities:

• Ethical: Adhere to ethical values.
• Selling: Selling products, services, or ideas to clients, customers, or stakeholders.
• Effective Communication: Communicating ideas and concepts to groups and individuals.
• Interpersonal Acumen: Understanding others' motivations, emotions, and behaviors.
• Learning and Self-Development: Developing one's knowledge, skills, and capabilities.
• Drive and Ambition: Proactively setting and striving for challenging work and career goals.
• Adapting: Adapting to changes and being flexible when changes occur.

Pay Range: USD $51,400.00 - USD $7,700.00 /Yr. Compensation & Benefits:
Benefits:

• Monthly incentive opportunity
• Health, Dental & Vision Benefits
• Bonus opportunity
• 401(k) with match and profit sharing
• Flexible Time Off

Empeople Credit Union is an EEO/Affirmative Action Employer:
Empeople Credit Union is an EEO/Affirmative Action Employer.
EMPLOYMENT AT WILL
Empeople Credit Union employment is at will. Employees may resign from Empeople Credit Union as they choose. Similarly, Empeople Credit Union may terminate an employee at any time, with or without notice or cause. Nothing in this Handbook or any other manual or policy adopted by Empeople Credit Union in any way alters the at-will nature of employment at Empeople Credit Union. False statements or material omissions in the Application for Employment will be grounds for immediate termination.

Skills Required