Branch Mortgage Loan Originator

When joining Elevations, you can expect to work for a company with:

• A leadership team that strives to make this the best place you’ve ever worked!


• A focus on supporting our employees’ mental, physical, and financial well-being


• A commitment to diversity, equity, and inclusion recognized by the Denver Business Journal and Colorado Association of Realtors


• A highly engaged workforce devoted to innovation, continuous improvement, and collaboration


• A reputation for excellence, as evidenced by being a two-time recipient of the Malcolm Baldrige National Quality Award


• A passion for consistently providing amazing experiences and creating raving fans

When joining Elevations, you can expect to work for a company with: A leadership team that strives to make this the best place you’ve ever worked! A focus on supporting our employees’ mental, physical, and financial well-being. A commitment to diversity, equity, and inclusion recognized by the Denver Business Journal and Colorado Association of Realtors. A highly engaged workforce devoted to innovation, continuous improvement, and collaboration. A reputation for excellence, as evidenced by being a two-time recipient of the Malcolm Baldrige National Quality Award. A passion for consistently providing amazing experiences and creating raving fans.

Location

On-site: Elevations Lafayette Branch Location

Summary/Objective

The Mortgage Loan Originator-Branch (MLOB) supports retail branches by originating first and second mortgages through retail referrals. They are organized, self-motivated, and possess strong communication skills, building effective relationships with both branch staff and members. The MLOB trains and supports retail staff in identifying members’ mortgage needs. They counsel members, take applications, perform preliminary underwriting, and submit files to processing and underwriting for approval. As the primary point of contact, the MLOB works closely with members and realtors to ensure all required documents for processing, underwriting, and closing are collected promptly.

Essential Functions

• Meet with members to gather financial and personal information, assess their mortgage needs, and recommend suitable loan products. Use active listening and consultative techniques to understand member goals, explain available options, and guide them toward informed borrowing decisions that align with their financial situation.


• Monitor on-line queue of member originated loans, input member loan applications into on-line loan system, reviews files for completeness and accuracy, and delivers TIL disclosures within 72 hours of application date


• Communicate with loan processors and closers regarding any outstanding items and/or additional documentation needed


• Request additional information needed from member, communicate terms and conditions of loan approvals, and assist with processing and loan closing member coordination


• Identify opportunities to cross-sell additional credit union products to ensure a holistic approach to member financial wellness


• Keep informed of current trends in mortgage lending and market factors affecting mortgage lending


• Partner with the branch manager, attend branch meetings when appropriate, help coach branch staff to identify potential mortgage opportunities for members and educate retail staff about mortgages.

Reports To

Mortgage Sales Manager

Manages

This role does not have supervisory responsibility.

Required Skills, Education and Experience

• High School or equivalent


• Minimum of two years mortgage experience as a Mortgage Loan Originator or Mortgage Loan Assistant III or higher


• Adheres to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA)

Preferred Skills, Education and Experience

• Experience with FNMA Desktop Underwriter, FHLMC, FHA, and VA, Encompass and Mortgage processing systems desired.

Work Environment

Elevations uses multi-factor authentication to keep our data safe. As such, a personal smartphone is a requirement for employment with us. This job operates in an office setting and routinely uses standard office equipment.

Physical Requirements

• All other positions: Sitting frequently, walking occasionally, use of hands frequently, hearing constantly, talking frequently, exerting up to 10 lbs of force occasionally to lift, carry, push, pull, or move objects

Position Type/Expected Hours of Work

Full time / 40 hours per week

Compensation

The person hired into this position will likely earn between $21.44/hr. and $26.78/hr. plus incentive. 

Actual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

Anticipated Application Window

This role is anticipated to close within 35 days from the date of posting. However, if the position has not been filled, Elevations may keep the application period open longer.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

About Us: Elevations Credit Union is a member-owned not-for-profit financial institution serving Colorado’s Front Range. Founded in 1952, we’ve grown from 12 members and less than $100 in assets to an institution with 15 branches and more than 170,000 members that manages over $3 billion in assets and is the No. 1 credit union mortgage lender in Colorado. At Elevations, we’ve made a commitment to move away from a product-centered business model and focus instead on creating consumer solutions. Our objective is to provide our members, as well as the entire community, with unbiased consumer information.

EEO Statement: The Credit Union is dedicated to the principles of equal employment opportunity. We prohibit unlawful discrimination against applicants or employees on the basis of age 40 and over, race (including traits historically associated with race, such as hair texture and length, protective hairstyles), sex, sexual orientation, gender identity, gender expression, color, religion, creed, national origin, ancestry, disability, military status, genetic information, marital status, or any other status protected by applicable state or local law.

Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such a report will not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.

ELEVATIONS CREDIT UNION’S COMMITMENT TO PRIVACY

Your privacy is important to us. When you use this Careers site to apply for a job at Elevations Credit Union (“we” and “us”), we collect your personal information.  Examples of personal information collected on the Careers site include your name, contact details, and information you provide for purposes of job applications.  We do not sell your personal information to a third party.  We may share your information with a third party who is performing a service for us related to job applicants. If you have any questions about this privacy statement, please contact us.

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