Akebia Therapeutics
Senior Medical Science Liaison St LouisIndianapolisKentucky
Akebia Therapeutics, Kingsport, Tennessee, us, 37662
Eastman Credit Union is seeking an experienced Mortgage Originator. This position is for Inbound Mortgage Origination. Some of the benefits include:
Work/Life Balance - 40 hours per week (November – February)/ Minimal Overtime (March – October) Non-Commission, Competitive Pay Benefits Include: Medical, Dental, Vision, 401(k), Paid Vacation, Annual Bonus Plan, Tuition Reimbursement, and more! Promotional Opportunities and Career Development Possibility of Floating within Tri Cities Region
Mortgage Loan Originator Functions:
Interview prospective borrowers, determine borrowers’ financial goals, and present appropriate ECU product options
Discuss loan pricing and lock options
Gather application data such as income, assets, sales contract, etc
Enter personal and financial information in loan origination system, and analyze applicant financial status to determine feasibility of granting loan.
Deny application or submit application to Processing
Review loan application and pertinent disclosures (loan estimate, closing disclosure, etc.) with applicants.
Compile loan package and discusses loan terms with applicant in accordance with ECU guidelines and policies.
Deliver loan package to Disclosure Desk in a timely manner (within 1 day of application)
Confer with underwriter/processing to aid in resolving mortgage underwriting compliance
Assist members with inquiries and information requests
Inform loan applicant of credit decision
Manages pipeline to insure timely loan processing and closing
Promote and cross-service other ECU products and services as appropriate to member needs
Continuing education – seminars and online training to stay abreast of changes in the mortgage lending industry
Maintain working knowledge of mortgage regulatory compliance. Including but not limited to:
Regulation Z:
High-Cost Mortgages
Higher-Priced Mortgages
Periodic Statement Requirements
Adjustable-Rate Disclosures and Requirements
Ability to Repay
Right of Rescission
Home Mortgage Disclosure Act (HMDA)
Regulation X:
Timely Escrow Payments and Treatment of Escrow Balances
Error Resolution Procedures
Requests for Information
Force-Placed Insurance
Homeownership Counseling
Regulation B – Equal Credit Opportunity Act:
Adverse Action
Appraisal Delivery
Qualified Mortgages
TILA RESPA
Fair Credit Reporting Act/FACTA
Equal Credit Opportunity Act
Right to Financial Privacy Act
Flood Insurance Notification
Maintain expert knowledge of systems used in the mortgage process
ECU currently originates its mortgage loans in Ellie Mae’s Encompass system, also working knowledge of ValuTrac, OSI, Courthouse Retrieval, DU, Data Quick etc.
Maintain expert knowledge of ECU Mortgage products and services.
ECU offers a variety of loan products including: FNMA, VA, FHA and USDA products.
ECU also provides a wide variety of specialty products, First Time Home Buyer, Purchase Plus, Construction, Select, Home Equity/Home Equity Line of Credit and Choice Loans to name a few.
Team player. Ability to work well with all areas within mortgage department and ECU.
Demonstrate exceptional attendance and punctuality practices.
Empathy, Reliability, Responsiveness, and Teamwork Required Experience Bachelors Degree (B.A.) from four year college or university; or three to five years related experience and/or training; equivalent combination of education and experience.
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Work/Life Balance - 40 hours per week (November – February)/ Minimal Overtime (March – October) Non-Commission, Competitive Pay Benefits Include: Medical, Dental, Vision, 401(k), Paid Vacation, Annual Bonus Plan, Tuition Reimbursement, and more! Promotional Opportunities and Career Development Possibility of Floating within Tri Cities Region
Mortgage Loan Originator Functions:
Interview prospective borrowers, determine borrowers’ financial goals, and present appropriate ECU product options
Discuss loan pricing and lock options
Gather application data such as income, assets, sales contract, etc
Enter personal and financial information in loan origination system, and analyze applicant financial status to determine feasibility of granting loan.
Deny application or submit application to Processing
Review loan application and pertinent disclosures (loan estimate, closing disclosure, etc.) with applicants.
Compile loan package and discusses loan terms with applicant in accordance with ECU guidelines and policies.
Deliver loan package to Disclosure Desk in a timely manner (within 1 day of application)
Confer with underwriter/processing to aid in resolving mortgage underwriting compliance
Assist members with inquiries and information requests
Inform loan applicant of credit decision
Manages pipeline to insure timely loan processing and closing
Promote and cross-service other ECU products and services as appropriate to member needs
Continuing education – seminars and online training to stay abreast of changes in the mortgage lending industry
Maintain working knowledge of mortgage regulatory compliance. Including but not limited to:
Regulation Z:
High-Cost Mortgages
Higher-Priced Mortgages
Periodic Statement Requirements
Adjustable-Rate Disclosures and Requirements
Ability to Repay
Right of Rescission
Home Mortgage Disclosure Act (HMDA)
Regulation X:
Timely Escrow Payments and Treatment of Escrow Balances
Error Resolution Procedures
Requests for Information
Force-Placed Insurance
Homeownership Counseling
Regulation B – Equal Credit Opportunity Act:
Adverse Action
Appraisal Delivery
Qualified Mortgages
TILA RESPA
Fair Credit Reporting Act/FACTA
Equal Credit Opportunity Act
Right to Financial Privacy Act
Flood Insurance Notification
Maintain expert knowledge of systems used in the mortgage process
ECU currently originates its mortgage loans in Ellie Mae’s Encompass system, also working knowledge of ValuTrac, OSI, Courthouse Retrieval, DU, Data Quick etc.
Maintain expert knowledge of ECU Mortgage products and services.
ECU offers a variety of loan products including: FNMA, VA, FHA and USDA products.
ECU also provides a wide variety of specialty products, First Time Home Buyer, Purchase Plus, Construction, Select, Home Equity/Home Equity Line of Credit and Choice Loans to name a few.
Team player. Ability to work well with all areas within mortgage department and ECU.
Demonstrate exceptional attendance and punctuality practices.
Empathy, Reliability, Responsiveness, and Teamwork Required Experience Bachelors Degree (B.A.) from four year college or university; or three to five years related experience and/or training; equivalent combination of education and experience.
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