Mortgage Originator (Buffalo Region)

If you are ready to join a company that truly cares about its employees, our members, and our community then you have come to the right place!

Overview of the Role

Promote Mortgage Services’ real estate loan products through direct contact with members, future members, real estate brokers, builders, and others. Originate loan applications from internal and external sources.

Accountabilities and Responsibilities

• Meet the Credit Union's and Mortgage Services’ standards for consistent quality customer service

• Review pre-approval applications and issue pre-approval certificates to qualified candidates

• Actively participate in area community lending activities by attending meetings and seminars and by soliciting applications for loan programs designed for those members

• Monitor activity through the pipeline process and respond to requests for information and applications in a timely manner

• Perform initial submission to Loan Prospector to obtain decisions and be able to advise applicant of correct fees and documents needed to process the loan

• Demonstrate a full understanding and knowledge of current policies regarding credit, appraisal, PMI and secondary market requirements for mortgage and cross sell product line, as well as a general knowledge of consumer loan products

• Assist in the development and implementation of the CU's Home Buyers' Seminar. Prepare information and training materials for realtor seminars

• Promptly respond to members' inquiries, providing accurate information regarding real estate loan programs

• Provide Sales Manager / VP Sales with a regular recap of all contacts made outside of the office in order to solicit mortgage referrals

• Establish rapport with area real estate brokers, soliciting referrals for mortgage applications, providing training seminars for agents, and providing current rates and mortgage program information

• Provide mortgage consultations for members at a suitable location

• Provide assistance to Broadview's branches for mortgage information and application appointments

• Work closely with branch and Call Center staff to provide prompt service to membership

• Recommend to applicants the best program to suit their needs, and advise them of their ability to qualify for a mortgage

• Assist applicants in completing and submitting mortgage loan applications; requesting additional information when necessary

• Discuss problems regarding information received in order to expedite the application processing

• Demonstrate understanding of closing functions and discuss problems with attorney and/or title company

• Attend outside seminars in conjunction with new business development to promote Broadview's products

• Initiate opportunities to cross-sell Broadview's products and services

• Participate in the development of new loan originations procedures under the direction of the Sales Manager / VP Sales

• Other duties as needed

Credentials, Experience and Skills

• An Associate’s degree or equivalent plus a minimum of 3 years of lending experience is required

• Experience should include at least 1 year working with mortgage loans.

• Ability to use Microsoft Word and Excel strongly preferred.

• Must obtain national licensing in compliance with The New York State Banking Law and Regulations and the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act). The request for licensing will be reviewed following successful completion of a background check, 20 hours of pre-licensing education, and a passing score on the national licensing exam.

• Final licensing determination will be made by the appropriate regulatory entity

• C ontinue to comply with NYS law and SAFE Act requirements of 11 hours continuing education (topics to be determined) every year thereafter

• Maintain compliance with all that is required to be a licensed Mortgage Loan Originator. This includes all applicable background and credit checks as well as passage of all national and state-specific exams

• Driver’s License is necessary to be able to travel to branches and appointments

Starting Compensation:

Commission based with uncapped earnings potential

In-house processing, underwriting and servicing

Competitive pricing

Plus, a competitive benefits package

Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other status protected by applicable law.

Broadview FCU is committed to ensuring individuals with disabilities and/or those who have special needs participate in the workforce and are afforded equal opportunity to apply and compete for jobs. If you would like to contact us regarding the accessibility of our Website or need assistance completing the application process, please contact us at [email protected]