Mortgage Loan Originator (External) - uncapped commission structure
Abound Credit Union, Louisville, KY, United States
At Abound, we believe in making other people's lives easier and better! As one team – working together – we provide experiences worth sharing. Finding real solutions that make more possibilities for our Members and communities.
What You’ll Do:
Performance
– Constantly work toward exceeding established monthly individual and departmental goals for loan applications and funded loans. Effectively converting mortgage leads to full applications.
Availability/Service
– Maintain accessibility to borrowers and referral sources during and after normal business hours to ensure continuous communication with borrowers and referral sources throughout the loan process, providing an exceptional borrowing experience from start to finish.
Communication
– Develop relationships with real estate agents and other referral sources in all the communities the credit union serves to drive real estate loan business to the credit union, including close coordination with the branch team and real estate loan originators throughout the loan process.
Organization
– Effectively manage pipeline of work in a way that prioritizes constant communication with members, ensures regular follow‑up with all leads and referrals in a timely manner, and thoroughly documents all member communication and action taken on files.
Outreach
– Represent the Credit Union at real estate industry events, business gatherings, and social events with the objective of developing partnerships and referral sources in the community, and provide expertise and educational opportunities for community partners through presentations focused on the Credit Union’s real estate lending services or other relevant industry topics.
Advise
– Provide expertise and guidance to members and potential members on mortgage products and opportunities, and support the branch team partners as needed.
Reporting
– Effectively and routinely report call activities, leads and applications using established internal reporting and tracking systems, and maintain all relevant and work‑related contacts, appointments and activities on a shared electronic calendar.
Contribute to a culture of employees who:
Are passionate, smart and humble about the credit union, members and their position.
Perform their job duties with impeccable integrity and strong personal values.
Possess a sense of urgency and strong competitive instincts.
Demonstrate high performance standards.
Care about each other.
Are committed to the future of the organization.
Are committed to providing superior member service, internally and externally.
What We Need:
Applicants must successfully complete and pass the eligibility requirements for registration under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act), which requires Federal Registration under the Nationwide Mortgage Licensing System and Registry. Applicants at the minimum must furnish the Registry with information concerning the applicant’s identity, including fingerprints for FBI submission and other relevant background checks; and personal history and experience, including authorization for the Registry to obtain information related to any administrative, civil or criminal findings by governmental jurisdiction. Failure to pass the Registry background screening may result in loss of position and/or employment.
Bachelor’s Degree in Business, related field, or equivalent work experience.
Extensive and detailed knowledge of real estate mortgage lending laws, regulations, policies and procedures applicable to both primary and secondary markets.
Ability to analyze applicant’s credit risk (the 4 Cs of underwriting: capacity, capital, collateral, and credit) and perform income analysis for self‑employed borrowers.
Strong working knowledge of all loan origination and maintenance software, including secondary market automated underwriting systems in conjunction with credit‑union software.
Friendly, outgoing manner, ability to deal with members with tact and courtesy, and maintain professional demeanor in all situations.
Self‑motivation, enthusiasm, and initiative with a willingness to support others within the Credit Union.
Pension
Health, Dental, Vision and other insurance coverage
Paid personal time off
Paid holidays
Life insurance
Short and long‑term disability
401(k) with matching funds
Tuition reimbursement
HSA, FSA, and Dependent Care Spending Accounts
Abound Credit Union is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, gender, gender expression, genetic information, age, national origin, disability, marital status, sexual orientation, veteran status or other applicable legally protected characteristics.
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What You’ll Do:
Performance
– Constantly work toward exceeding established monthly individual and departmental goals for loan applications and funded loans. Effectively converting mortgage leads to full applications.
Availability/Service
– Maintain accessibility to borrowers and referral sources during and after normal business hours to ensure continuous communication with borrowers and referral sources throughout the loan process, providing an exceptional borrowing experience from start to finish.
Communication
– Develop relationships with real estate agents and other referral sources in all the communities the credit union serves to drive real estate loan business to the credit union, including close coordination with the branch team and real estate loan originators throughout the loan process.
Organization
– Effectively manage pipeline of work in a way that prioritizes constant communication with members, ensures regular follow‑up with all leads and referrals in a timely manner, and thoroughly documents all member communication and action taken on files.
Outreach
– Represent the Credit Union at real estate industry events, business gatherings, and social events with the objective of developing partnerships and referral sources in the community, and provide expertise and educational opportunities for community partners through presentations focused on the Credit Union’s real estate lending services or other relevant industry topics.
Advise
– Provide expertise and guidance to members and potential members on mortgage products and opportunities, and support the branch team partners as needed.
Reporting
– Effectively and routinely report call activities, leads and applications using established internal reporting and tracking systems, and maintain all relevant and work‑related contacts, appointments and activities on a shared electronic calendar.
Contribute to a culture of employees who:
Are passionate, smart and humble about the credit union, members and their position.
Perform their job duties with impeccable integrity and strong personal values.
Possess a sense of urgency and strong competitive instincts.
Demonstrate high performance standards.
Care about each other.
Are committed to the future of the organization.
Are committed to providing superior member service, internally and externally.
What We Need:
Applicants must successfully complete and pass the eligibility requirements for registration under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act), which requires Federal Registration under the Nationwide Mortgage Licensing System and Registry. Applicants at the minimum must furnish the Registry with information concerning the applicant’s identity, including fingerprints for FBI submission and other relevant background checks; and personal history and experience, including authorization for the Registry to obtain information related to any administrative, civil or criminal findings by governmental jurisdiction. Failure to pass the Registry background screening may result in loss of position and/or employment.
Bachelor’s Degree in Business, related field, or equivalent work experience.
Extensive and detailed knowledge of real estate mortgage lending laws, regulations, policies and procedures applicable to both primary and secondary markets.
Ability to analyze applicant’s credit risk (the 4 Cs of underwriting: capacity, capital, collateral, and credit) and perform income analysis for self‑employed borrowers.
Strong working knowledge of all loan origination and maintenance software, including secondary market automated underwriting systems in conjunction with credit‑union software.
Friendly, outgoing manner, ability to deal with members with tact and courtesy, and maintain professional demeanor in all situations.
Self‑motivation, enthusiasm, and initiative with a willingness to support others within the Credit Union.
Pension
Health, Dental, Vision and other insurance coverage
Paid personal time off
Paid holidays
Life insurance
Short and long‑term disability
401(k) with matching funds
Tuition reimbursement
HSA, FSA, and Dependent Care Spending Accounts
Abound Credit Union is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, gender, gender expression, genetic information, age, national origin, disability, marital status, sexual orientation, veteran status or other applicable legally protected characteristics.
#J-18808-Ljbffr