Senior Mortgage Loan Originator II Phoenix, AZ
Listed on 2025-12-01
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Finance & Banking
Banking & Finance, Financial Consultant, Financial Sales, Loan Officer
Overview
The Senior Mortgage Loan Originator II proactively solicits outside mortgage business to meet established loan quality, production and service goals. Develops and maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities, and professionals, builders, professional and personal contacts, as well as other valuable referral sources. Oversees origination of all mortgage loan products and programs.
The Senior MLO II responds to member inquiries and referrals that are generated from both their own contacts and from other business channels. The Senior MLO II conducts interviews with prospective borrowers to analyze financial and credit data, determine financing objectives, advise members of product/pricing policies and guidelines, and gather any additional required information and/or documentation. The Senior MLO II ensures exceptional service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all federal and state compliance policies and adhering to HMDA requirements.
- Possesses a complete knowledge/understanding of the mortgage loan products offered. This includes but is not limited to the standard secondary market loan programs expanded criteria, investment property and America First Loan programs.
- Possesses a complete knowledge/understanding of mortgage origination software systems, as expected of this position.
- Interviews, pre-qualifies, completes application documents, and analyzes preliminary documentation for loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation. Explains mortgage Exempt I process, time frames to expect and lock in procedures thoroughly. Does all of the above in such a manner as to elicit a shared understanding and positive responses from members.
- Performs follow-up work as necessary to achieve conditional approval within established time frames.
- Works to resolve loans referred by Underwriting or Automated Underwriting System within established time frames. Discusses loan alternatives with member thoroughly, together arriving at a conclusion as to what action is to be taken next on loan request.
- Understands and completes lending operations in accordance with all applicable federal and state mortgage regulations, NCUA, and established credit union policies and requirements. Stays informed as to changes thereto.
- Possesses a complete understanding of production and service expectations of position.
- Creates and actively maintains a result oriented, assertive marketing plan.
- Drafts, executes, and revises marketing plan as needed in a well-organized, professional manner.
- Achieves and maintains a level of proficiency which meets expectations of position.
- Attentively answers questions and resolves problems.
- Counsels members regarding money management and financial matters.
- Provides relevant and timely updates with all involved parties.
- Works effectively with loan assistant, processing, and underwriting teams
- Projects the credit union's professional image by maintaining a clean, secure and well-maintained desk/work area, and follows credit union/department dress code.
- Stays informed regarding changes and trends in the local real estate and competitive lending market.
- Coordinates functions with related departments and branches, providing support as needed.
- Functions as an essential constituent of the Mortgage department.
- Keeps management informed of area activities and of any significant problems.
- Attends and participates in meetings and committees as required.
- Completes required records and reports in a timely manner.
- Provides…
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