Mortgage Loan Originator

Forest Area Federal Credit Union is seeking a motivated and member-focused Mortgage Loan Originator to support our real estate lending program. This position is responsible for interviewing members, originating mortgage loan applications, guiding members through financing options, and ensuring accurate, timely, and compliant loan documentation from application through underwriting decision.

The ideal candidate enjoys building relationships, managing detailed loan files, and helping members navigate the home financing process while promoting the Credit Union’s products and services.

• Interview members in person to originate real estate loan applications and obtain required personal and financial information

• Educate members on mortgage loan options, interest rates, repayment terms, insurance requirements, and related financing details

• Prepare, analyze, process, and document all required mortgage loan forms and supporting documentation

• Submit complete loan applications to underwriting for approval or counteroffer

• Communicate underwriting decisions clearly and professionally to members

• Gather, verify, and organize documentation for loan closings, including appraisals, surveys, and title work

• Ensure loan fees, taxes, and insurance requirements are properly calculated and paid

• Maintain escrow accounts for real estate taxes and insurance premiums

• Enter and maintain accurate loan data within the Credit Union’s core processing system

• Identify opportunities to cross-sell Credit Union products and services

• Maintain strong professional relationships with members, realtors, title companies, and other external partners

• Ensure compliance with all applicable federal and state regulations, including BSA and AML requirements

• Produce accurate, complete, and timely mortgage loan files and documentation

• Meet established processing, underwriting, and closing deadlines

• Actively cross-sell Credit Union products and services to meet or exceed goals

• Provide prompt, knowledgeable, and professional service to members and internal staff

• Maintain organized and complete loan files and required reports

• Uphold the Credit Union’s professional image and reputation at all times

• Previous experience in mortgage lending, loan origination, or real estate lending preferred

• Strong understanding of mortgage documentation, escrow accounts, taxes, and insurance

• Excellent communication, organization, and customer service skills

• Ability to manage multiple files and deadlines simultaneously

• Working knowledge of applicable lending regulations and compliance standards

• Member-owned, community-focused credit union

• Supportive and collaborative work environment

• Opportunity to grow within mortgage lending and financial services

• Play a meaningful role in helping members achieve homeownership