Summary/Objective:

Originates mortgage loans in an assigned territory; develops referral relationships with realtors, builders, bankers, and other sources in order to proactively solicit business and conduct sales-related activities, in order to meet specific loan volume origination goals. Counsels customers, takes applications, conducts preliminary underwriting reviews, and submits loan applications to processing and underwriting for approval using laptop technology. Remains front line contact with customers and realtors to ensure that documents required for processing, underwriting, and closing are secured in a timely manner. The salary for this position is 100% commission.
Essential Functions include:

• Interviews and assists members. Inputs loan applications into on-line loan system. Monitors on-line queue of member originated loans. Reviews files for completeness and accuracy. Communicates with loan processor/closer regarding any outstanding items and/or additional documentation needed. Requests additional information. Communicates terms and conditions of an approved loan and reviews with member. Delivers Good Faith Estimate/ TIL disclosures within 72 hours of application date.
• Assists with processing and loan closing coordination with member.
• Cross-sells other credit union services.
• Keeps informed of current trends in mortgage lending and market factors affecting mortgage lending.
• Adheres to all applicable Federal and State laws and regulations governing the Credit Union, including the Bank Secrecy Act (BSA).

Reports to:

Mortgage Sales Manager
Manages:

This role does not have supervisory responsibility
Required Education and Experience:

• Equivalent to a two-year college degree or completion of a specialized course of study at a business or trade school
• Minimum of two years' experience in Mortgage Loan Officer role in similar organization

Preferred Education and Experience:

Experience with FNMA Desktop Underwriter, FHLMC, FHA, and VA, PC Lender and Mortgage processing systems desired.
Work Environment:

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

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
Classification:

Exempt
Location:

Fort Collins Oldtown branch
Compensation:

Unlimited earning potential based on performance and production.
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.