Mortgage Loan Originator (Bilingual Preferred) Greenville
Company: Red River Employees Federal Credit Union
Location: Greenville
Posted on: April 28, 2024
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Job Description:
Position Title:
Mortgage Loan Originator
Reports To:
VP - Mortgage
Basic Function:
Responsible for Originating Real Estate Loans.
Responsibilities:
--- Originates mortgage loan applications per FNMA, Freddie Mac,
FHA, VA, and USDA guidelines. This includes Purchase, Refinance,
and New Construction loans.
--- Order credit report, provide initial disclosures, collect
income and asset documentation, and verify identity in accordance
with the Patriot Act.
--- Additional responsibilities include setting each prospective
loan up in the origination software prior to processing.
--- The originator needs to have basic knowledge of real estate
procedures and guidelines regarding appraisals, surveys, title
work, inspections, and real estate contracts and be able to work
closely with the Real Estate Loan Processor and Closer within the
department.
--- Responsible for maintaining investor relationships regarding
rate locks, investor specific software, as well as stay informed of
changes to programs as they occur on a regular basis.
--- This position requires a high degree of customer service as
well as extensive knowledge of the mortgage industry standards and
guidelines.
--- The originator should have a basic knowledge of analyzing tax
returns for self-employed members and be familiar with acceptable
forms of documentation per Secondary Market guidelines.
--- Responsibilities also include discussing member specific
details regarding credit reports, debt ratios, and basic home
ownership counseling.
--- Maintaining relationships with title companies, realtors,
appraisers, surveyors, etc. for the purpose of referrals to the
Real Estate Department. Occasional attendance to outside functions
relating to the local real estate industry.
--- Performs other related duties as assigned.
Position Requirements:
--- Minimum of three to five years of experience in the mortgage
industry at a credit union or other financial institution.
--- High school diploma or the equivalent.
--- Competent computer skills and use of standard office
equipment.
--- Ability to meet, speak, and deal effectively with people in
person and over the telephone, being professional always. Must
maintain a neat and professional appearance.
--- While the following list is not exhaustive and may be
supplemented, identified physical requirements include the ability
to operate normal office equipment; some lifting, not to exceed 25
pounds.
--- Ability to follow the core values of Team-Focused, Excellence,
Authenticity, and Leading in Innovation.
Benefits:
--- Paid Holidays
--- Match on 401K- offer a competitive 401K plan with a match of a
100% for the first 5% and a -% for every additional 1% up to
10%
--- Discretionary Profit Sharing- 3% of annual earnings
--- Vacation Leave- accrues 2 weeks a year for the first 5 years.
Vacation leave increases with tenure.
--- Sick Leave- earn 2 hours a pay period
--- Voluntary Insurance Products/Packages
--- Offer Competitive Medical and Dental Benefits*
--- Company Paid Life Insurance (2 times annual salary) *
--- Company Paid Accidental Death & Dismemberment Insurance (2
times annual salary) *
--- Company Paid Long Term Disability Insurance*
--- Full time Benefits for 30+ hour employees
--- Various other incentives
--- Additional incentive for extended hour locations
--- Premium-level Checking/Savings Account that include additional
benefits
*Full Time Only
PI4cac2052ae1a-31181-34318071
Keywords: Red River Employees Federal Credit Union, McKinney , Mortgage Loan Originator (Bilingual Preferred) Greenville, Other , Greenville, Texas
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