NuMark Credit Union
  • Crest Hill, IL, USA
  • Full Time

NuMark Credit Union is seeking a Full Time Mortgage Loan Originator for our Crest Hill office.

SUMMARY

Duties are performed under the general supervision of the Asst. Vice President Lending in accordance with established Credit Union lending policies. Conducts activities related to the extension of real estate mortgage credit. Performs loan interviews. Inform members about loan products and options. Processes all applicable paperwork within appropriate guidelines with accuracy and timeliness. Ensures confidentiality of all member information. Manages the sale, delivery and servicing of mortgage loans to private investors and government sponsored enterprises. Evaluates commercial loans. Audits commercial loan quality. This position is accountable for achieving various sales behavior and production goals and providing exceptional service at all levels. The expectations of this job are to build member relationships by providing excellent service and offering products that meet member's needs.

QUALIFICATIONS

Associates degree and a minimum of five years related lending experience in a full-service financial organization required. Bachelor's degree with Business Administration exposure preferred. Possesses the ability to compose meaningful correspondence and express oneself clearly in a verbal and written manner. Must be thoroughly familiar with the Credit Union's lending policies and procedures, and knowledgeable of all regulations and reporting requirements related to the position. Must understand various disclosure information and be able to explain related requirements to members. Proficient with all computer applications and possess good communication skills. Must be bondable and able to work unsupervised and under pressure. Possesses a bias for accuracy and attention to details. Highly energetic and motivated individual. Is goal oriented and results oriented. Strives to accomplish all assigned tasks in a timely manner.

RESPONSIBILTIES

  • Interviews and assists members with real estate loan applications and related Credit
  • Union services in person and by phone. Must be able to fully explain various mortgage programs including estimating closing costs. Determines the loan purpose and obtains the pertinent information relating to the proposed transaction and property.
  • Orders and reviews appraisal report, credit reports, verifications, title commitments, and all documents required for a complete package.
  • Reviews loan packages for completeness of documents and compliance with Credit
  • Union policy, regulatory requirements and secondary market lending parameters.
  • Required to uphold and adhere to the Official Loan Policy as set for the by the Board of Directors of the Credit Union.
  • Determines if the applicant qualifies for the loan applied for and recommended loan terms.
  • Reviews the loan commitment and advises the applicant of the terms together with all requirements of the Credit Union.
  • Coordinates loan closing, allowing ample time for preparation of final loan documentation for closing.
  • Reviews previously approved loan applications for accuracy, thoroughness and adherence to loan policy and procedure.
  • Follows up on all real estate paperwork including the recording of liens to the county and real estate tax tracking to assure a timely receipt of title policies by the Credit
  • Remains knowledgeable on policy, procedures, and in matters of compliance.
  • Actively and enthusiastically cross-sells credit life insurance in conjunction with mortgages.
  • Works closely and cooperatively with the collection department as it relates to Real
  • Estate Loan collections.
  • Carries out some responsibilities with respect to commercial loans.
  • Responsible for compliance to all BSA policies, procedures and regulations and Office of Foreign Assets Control (OFAC) within area of responsibility.

BENEFITS

NuMark offers 3 weeks of paid time off, paid volunteer opportunities, medical/dental/vision, flex spending, a 401K plan with matching, and assistance with continuing education and furtherance of higher education.

ABOUT NUMARK CREDIT UNION

NuMark's mission is to enrich the financial lives of our members. We offer a full menu of financial services from mortgage and auto loans to free checking accounts and business services. We are dedicated to treating our members like family and helping them save money, so they can achieve their financial dreams.

https://www.numarkcu.org

EQUAL OPPORTUNITY EMPLOYER

Equal Employment Opportunity has been, and will continue to be, a fundamental principle of NuMark Credit Union where employment is based upon personal capabilities and qualifications without discrimination because of race, color, religion, sex, age, national origin, disability, or any other protected characteristic as established by law.

NuMark Credit Union
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