Mortgage Loan Originator

Title: Mortgage Loan Originator

Department: Mortgage Lending

Reports To: Associate Vice President of Mortgage Lending

Job Grade: 8

FLSA: Non-Exempt Last Modified: 6/13/2025

It's a Job ... Only Better!

At UKFCU, we're more than a Credit Union - we're a community, and we've been proudly serving our members since 1937! As a rapidly growing, not-for-profit organization, we're dedicated to making a real difference in the lives of our members and employees alike. If you're looking for a workplace where you can grow, make an impact, and have fun while helping others, UKFCU is the place for you!

Why This Role Matters

As a Mortgage Loan Originator, you play a crucial role in helping members achieve their homeownership goals by guiding them through the mortgage loan process. Your work ensures that loan applications are completed accurately, efficiently, and in accordance with credit union and investor guidelines. You'll build strong member relationships, offer tailored financial solutions, and drive growth through your deep understanding of mortgage lending products and regulations.

What You'll Do

Mortgage Loan Origination & Member Engagement

• Develop and maintain strong relationships with members, real estate professionals, and other industry contacts to generate loan opportunities
• Interview prospective borrowers to gather necessary information and input it into the loan origination system
• Provide required disclosures and ensure timely and complete loan application submissions
• Recommend suitable mortgage options based on members' needs and investor guidelines
• Guide borrowers through the application process, from submission to closing, ensuring a smooth and professional experience
• Explain credit decisions and loan terms clearly and professionally
• Cross-sell appropriate credit union products and services
• Stay current with industry regulations, trends, and mortgage products

Loan Application & Processing Support

• Collect and review all required financial documentation
• Work with processors and underwriters to obtain missing information
• Ensure all investor, regulatory, and internal guidelines are met throughout the process
• Maintain open communication with borrowers and internal teams to ensure timely completion of applications

Performance & Growth

• Meet or exceed monthly loan production and sales goals
• Maintain a high level of accuracy, compliance, and service throughout the loan process
• Promote a strong member experience while adhering to operational standards

Who You Are

Experience & Education

• 2-3 years of mortgage lending or related experience required
• 1-2 years of experience with secondary market lending preferred
• Previous sales experience required
• High School diploma or equivalent required
• NMLS licensure preferred

Skills & Strengths

• Knowledge of conventional, government, and portfolio mortgage products
• Understanding of federal and state mortgage regulations
• Excellent communication and interpersonal skills
• Strong attention to detail and time management
• Ability to work independently and under strict deadlines
• Proficient in explaining technical and financial information to a broad audience
• Analytical and organized problem-solver
• Proficient in writing reports, correspondence, and documentation

Key Traits

• Professional and service-oriented
• Accountable and self-motivated
• Adaptable and goal-driven
• Committed to member success and organizational goals
• Collaborative with a strong team mindset

What's in It for You?

• Competitive salary and industry-leading benefits.
• Opportunities for professional growth and leadership development.
• A chance to make a lasting impact on our members and the organization's future.

Legalese

Equal Opportunity Employer

UKFCU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law.

At-Will Employment

Employment with UKFCU is deemed "at-will," which means that either you or the company may terminate the employment relationship at any time, with or without cause or notice, unless otherwise provided by law.

Physical and Cognitive Demands

This role requires a blend of physical activity and mental focus to effectively perform its essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Key physical activities include sitting, standing, walking, and occasional lifting (up to 25 pounds). You'll also use your hands for various tasks, reach with your arms, and engage in conversations. Vision requirements include the ability to focus, perceive depth, and distinguish colors. Cognitive abilities essential for this role include judgment, auditory perception, memory, reasoning, and occasional persuasion.

Work Environment

You'll primarily work indoors in a comfortable, climate-controlled office setting. The noise level is typically moderate, ensuring a focused yet dynamic work environment. Reasonable accommodations will be provided as needed to support an inclusive workplace.

This job description provides a general overview of the responsibilities and expectations for this role. It is not a comprehensive list of tasks, and employees may be asked to take on additional duties to support team success.