Mortgage Loan Originator, Self-Source

This is a fully remote position, open to applicants in California.

📋 Description

• Actively generate residential mortgage business through external sales and self-sourced initiatives such as open houses, referral networks, community events, and outreach to other businesses.

• Develop, manage, and strengthen relationships with realtors, builders, attorneys, financial advisors, CPAs, Select Employer Groups (SEGs), and other Centers of Influence (COIs) to ensure a steady stream of referrals.

• Deliver high-touch service during the mortgage process, encompassing everything from application to closing, including pre-underwriting analysis, submission, and follow-up.

• Meet with members and prospective clients to evaluate needs, advise on loan options, and gather necessary documentation. Most meetings will take place in person, with occasional telephonic and/or videoconferencing meetings that should not consume significant working time.

• Maintain an in-depth understanding of current mortgage guidelines, investor policies, pricing structures, compliance requirements (including RESPA, Reg Z, TRID, etc.), and the credit union's offerings.

• Organize and participate in educational seminars, webinars, and community events to promote First Entertainment Credit Union’s lending services, seek referrals, and drive new residential mortgage business.

• Keep a comprehensive pipeline report and ensure transparent, consistent communication with all stakeholders throughout the loan process.

⛳️ Requirements

• Bachelor’s degree preferred; however, a high school diploma or equivalent is required.

• A minimum of three (3) years of recent experience in mortgage lending, with at least 80% of production being self-sourced.

• Demonstrated history of consistently achieving or surpassing mortgage production targets through external sales and self-sourced methodologies.

• Active NMLS license in good standing, compliant with S.A.F.E. Act and Regulation Z requirements.

• Strong understanding of residential loan products, underwriting guidelines, and compliance regulations.

• Proficient in loan origination systems (LOS), preferably Encompass 360.

• Exceptional verbal and written communication skills, with the capability to clearly and effectively explain complex financial concepts.

• Strong networking abilities and comfort in presenting to both small and large audiences.

• High integrity and the ability to quickly build trust with clients and partners.

• Willingness to work evenings and weekends as necessary to accommodate client appointments and events.

• Reliable transportation and a readiness to spend the majority of working hours in face-to-face meetings.

🏝️ Benefits

• Competitive compensation package.

• Opportunities for professional development and growth.

• Supportive work environment that values collaboration and teamwork.

• Comprehensive benefits, including health, dental, and retirement plans.

• Employee recognition programs and incentives.