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

As a Mortgage Loan Originator, you play a crucial role in helping members achieve their home ownership 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.

• 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

• 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

• 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

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

• 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

• 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

• 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

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.

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.

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…