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The Mortgage Loan Originator III (MLO III) plays a pivotal role in advancing the credit union’s residential lending strategy. This position focuses on delivering member-centric mortgage solutions aligned with strategic initiatives. The MLO III is responsible for originating high-quality mortgage loans, fostering trusted member relationships, and ensuring a seamless lending experience from application to closing. The ideal candidate possesses deep expertise in mortgage products and compliance, a strong commitment to service, and a collaborative spirit. In addition to individual production, the MLO III supports strategic efforts to grow mortgage penetration, enhance member value, and mentor lending staff.
Primary Responsibilities
1. Loan Origination
Originate first mortgage loans (target mix: 80% first mortgages, 20% home equity loans/lines). Collect, review, and analyze loan application data (credit reports, income, assets). Recommend customized mortgage solutions based on current rates and programs. Present loan terms in alignment with credit union policies. Submit complete and accurate loan applications and documentation. Collaborate with processing team to ensure efficient loan handling. Cross-sell credit union products to deepen member relationships. Serve as a subject matter expert and sales leader. Conduct group presentations to promote mortgage products. 2. Team Support
Act as first point of contact for MLO team regarding member escalations. Resolve complex issues or elevate appropriately to leadership. Support training, coaching, and development of team members. Provide performance feedback to mortgage leadership. Recommend sales and marketing strategies to leadership. Build and maintain referral networks (realtors, title companies, builders). Stay current on mortgage laws and regulations to ensure compliance. Represent the credit union at external events and community initiatives. Complete annual compliance training. Participate in departmental projects and continuous improvement efforts. Assist leadership with special tasks and maintain confidentiality. Perform other duties as assigned. Education & Experience
High school diploma or GED required; Bachelor’s degree strongly preferred. Minimum 4 years of financial institution experience. Minimum 5 years of mortgage/home equity origination experience. Minimum 2 years of FHA/VA origination experience. Experience mentoring/training MLOs preferred. Knowledge, Skills & Abilities
Strong understanding of compliance documentation and regulations (RESPA, TILA, TRID, ECOA, FACTA, HMDA). Familiarity with mortgage lending practices, insurance, secondary market, and systems. Excellent communication, analytical, and data entry skills. Strong attention to detail and ability to work independently or in teams. Dependable, self-motivated, and adaptable. Critical thinking and conflict resolution skills. Certifications & Registrations
Must register with the Nationwide Mortgage Licensing System (NMLS) upon hire and maintain registration annually. Failure to register or maintain eligibility may result in disciplinary action, including termination. Professional appearance and demeanor. Strong verbal communication and public engagement skills. Flexible schedule and dependable work ethic. Organizational and decision-making abilities. Versatility across credit union functions. Cognitive & Physical Requirements
Ability to work at least 40 hours per week. Frequent reaching, bending, stooping, carrying, and data entry. Heavy communication via phone, email, and in-person. Problem-solving skills for field-related issues. Decisions Requiring Supervisory Approval
Loan scenarios outside credit union/investor policies. Loan exceptions requiring special authority.
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1. Loan Origination
Originate first mortgage loans (target mix: 80% first mortgages, 20% home equity loans/lines). Collect, review, and analyze loan application data (credit reports, income, assets). Recommend customized mortgage solutions based on current rates and programs. Present loan terms in alignment with credit union policies. Submit complete and accurate loan applications and documentation. Collaborate with processing team to ensure efficient loan handling. Cross-sell credit union products to deepen member relationships. Serve as a subject matter expert and sales leader. Conduct group presentations to promote mortgage products. 2. Team Support
Act as first point of contact for MLO team regarding member escalations. Resolve complex issues or elevate appropriately to leadership. Support training, coaching, and development of team members. Provide performance feedback to mortgage leadership. Recommend sales and marketing strategies to leadership. Build and maintain referral networks (realtors, title companies, builders). Stay current on mortgage laws and regulations to ensure compliance. Represent the credit union at external events and community initiatives. Complete annual compliance training. Participate in departmental projects and continuous improvement efforts. Assist leadership with special tasks and maintain confidentiality. Perform other duties as assigned. Education & Experience
High school diploma or GED required; Bachelor’s degree strongly preferred. Minimum 4 years of financial institution experience. Minimum 5 years of mortgage/home equity origination experience. Minimum 2 years of FHA/VA origination experience. Experience mentoring/training MLOs preferred. Knowledge, Skills & Abilities
Strong understanding of compliance documentation and regulations (RESPA, TILA, TRID, ECOA, FACTA, HMDA). Familiarity with mortgage lending practices, insurance, secondary market, and systems. Excellent communication, analytical, and data entry skills. Strong attention to detail and ability to work independently or in teams. Dependable, self-motivated, and adaptable. Critical thinking and conflict resolution skills. Certifications & Registrations
Must register with the Nationwide Mortgage Licensing System (NMLS) upon hire and maintain registration annually. Failure to register or maintain eligibility may result in disciplinary action, including termination. Professional appearance and demeanor. Strong verbal communication and public engagement skills. Flexible schedule and dependable work ethic. Organizational and decision-making abilities. Versatility across credit union functions. Cognitive & Physical Requirements
Ability to work at least 40 hours per week. Frequent reaching, bending, stooping, carrying, and data entry. Heavy communication via phone, email, and in-person. Problem-solving skills for field-related issues. Decisions Requiring Supervisory Approval
Loan scenarios outside credit union/investor policies. Loan exceptions requiring special authority.
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