What We Do....NuMark's mission is to enrich the financial lives of our members. Our growing Credit Union has over 140 employees, nine Chicagoland branches, and over 50,000 combined members. We offer a full menu of financial services from mortgage and auto loans to free checking accounts and business services. NuMark Credit Union is dedicated to putting our members first, treating them like family and helping them do more with their money. We help members get to their fantastic future faster.What You'll Love About Us....At NuMark Credit Union, we recognize how vital our team is to the success of our organization. We believe that investing in the wellness and professional development of our people should be at the forefront of how we operate. Our focus is on making employees feel valued and supported because we know a strong team and positive culture is what gives us a competitive advantage in the markets that we serve.NuMark Credit Union believes in social responsibility. You'll have opportunities to strengthen the communities we serve through volunteer days and fundraising programs. We have partnered with non-profits like the Northern Illinois Food Bank, Toys for Tots, The Bridge Teen Center, Wreaths Across America and other community organizations that make our neighborhoods a better place.The Benefits....We want to make sure you're taken care of, which is why we strive to offer competitive and cost-conscious benefits for you and your family. Full Time Employees can choose between several plans from Blue Cross Blue Shield (HMO or PPO), Dental, Vision, 3 weeks of Paid Time Off, Paid Holidays Off, Company Lunches and Parties, Birthday Holidays, Life Insurance (Company Paid), Short and Long Term Disability (Company Paid), 401(k) Savings Plan with Company Match, Flex Spending Account, AFLAC Portable Insurance Plans, Education Reimbursement for Bachelor or Master's Degrees, Employee Assistance Program, Paid Community Volunteer Time and Career Advancement Opportunities.About The Role....The Duties of the Mortgage Loan Originator are performed under the general supervision of the Asst. Vice President Lending in accordance with established Credit Union lending policies. Conducts activities related to the extension of real estate mortgage credit. Performs loan interviews. Inform members about loan products and options. Processes all applicable paperwork within appropriate guidelines with accuracy and timeliness. Ensures confidentiality of all member information. Manages the sale, delivery, and servicing of mortgage loans to private investors and government sponsored enterprises. Evaluates commercial loans. Audits commercial loan quality. This position is accountable for achieving various sales behavior and production goals and providing exceptional service at all levels. The expectations of this job are to build member relationships by providing excellent service and offering products that meet member's needs.What You'll Do....
Interviews and assists members with real estate loan applications and related Credit Union services in person and by phone. Must be able to fully explain various mortgage programs including estimating closing costs.
Determines the loan purpose and obtains the pertinent information relating to the proposed transaction and property.
Orders and reviews appraisal report, credit reports, verifications, title commitments, and all documents required for a complete package.
Reviews loan packages for completeness of documents and compliance with Credit Union policy, regulatory requirements and secondary market lending parameters.
Required to uphold and adhere to the Official Loan Policy as set for the by the Board of Directors of the Credit Union.
Determines if the applicant qualifies for the loan applied for and recommended loan terms.
Reviews the loan commitment and advises the applicant of the terms together with all requirements of the Credit Union.
Coordinates loan closing, allowing ample time for preparation of final loan documentation for closing.
Reviews previously approved loan applications for accuracy, thoroughness and adherence to loan policy and procedure.
Follows up on all real estate paperwork including the recording of liens to the county and real estate tax tracking to assure a timely receipt of title policies by the Credit
Remains knowledgeable on policy, procedures, and in matters of compliance.
Actively and enthusiastically cross-sells credit life insurance in conjunction with mortgages.
Works closely and cooperatively with the collection department as it relates to Real Estate Loan collections.
Carries out some responsibilities with respect to commercial loans.
Responsible for compliance to all BSA policies, procedures and regulations and Office of Foreign Assets Control (OFAC) within area of responsibility.
The Knowledge, Skills and Abilities You'll Need....
Associates degree and a minimum of five years related lending experience in a full-service financial organization required.
Bachelor's degree with Business Administration exposure preferred.
Possesses the ability to compose meaningful correspondence and express oneself clearly in a verbal and written manner.
Must be thoroughly familiar with the Credit Union's lending policies and procedures, and knowledgeable of all regulations and reporting requirements related to the position.
Must understand various disclosure information and be able to explain related requirements to members.
Proficient with all computer applications and possess good communication skills.
Must be bondable and able to work unsupervised and under pressure.
Possesses a bias for accuracy and attention to details.
Highly energetic and motivated individual that is goal and results oriented.
Strives to accomplish all assigned tasks in a timely manner.
Willingness and ability to travel to other branches if necessary.
Equal Opportunity Employer....At NuMark Credit Union, we are proud to be an equal opportunity employer focused on the development of and inclusive workplace. We are committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, we consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or veteran status.Job Posted by ApplicantPro