Mortgage Loan Originator

Mortgage Loan Originator

TENNESSEE VALLEY FEDERAL CREDIT UNI - 4.1

Chattanooga, TN Job Details Full-time 1 day ago Qualifications Customer communication Workplace dispute resolution High school diploma or GED Customer engagement Contingency planning Individual consumer customer service Cross-functional communication Full Job Description

JOB SUMMARY

In this relationship-focused role, the Mortgage Loan Originator is responsible for developing and maintaining a strong referral network, consulting with borrowers to assess their financing needs, and evaluating financial information to recommend appropriate loan products. This position plays a key role in guiding members through the mortgage process while delivering personalized solutions. The ideal candidate will reflect the credit union's core values, demonstrate a passion for serving members, and consistently strive to provide exceptional service throughout every interaction.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Establish and maintain strong relationships with clients, realtors, builders, and other referral partners; demonstrate the ability to deliver presentations and represent the credit union effectively in public and professional settings. Proactively generate and manage a pipeline of mortgage loan applications to meet or exceed established monthly production goals. Educate borrowers on available loan products, qualification criteria, regulatory requirements, and guide them through each step of the mortgage loan process. Collect, review, and analyze financial information to assess borrower risk and overall financial condition; prepare and submit complete loan applications, ensuring all required disclosures and supporting documentation are included. Remain up to date on current lending guidelines, state and federal regulations, TVFCU loan products, and evolving market trends to ensure compliance and informed decision-making. Collaborate with mortgage lending operations in a respectful and professional manner. Negotiate loan rates and terms, lock loans as appropriate, and actively manage a pipeline to ensure timely processing and maintain an acceptable pull-through rate. Ensure compliance with all applicable regulations and internal policies in both individual loan files and daily lending operations. Maintain knowledge of Credit Union regulations by completing required online courses annually. Proactively demonstrate the TVFCU core values of integrity, honesty, flexibility, teamwork, leadership, accountability and strong relationships in every interaction with members. Perform other duties as assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS

Minimum of 2 years of mortgage origination experience preferred. High school diploma or GED at a minimum. Capability to plan for contingencies and anticipate problems and identify risks. Effectively listen and respond to customers' needs. Ability to effectively convey and receive ideas, information, and directions. Ability to demonstrate professional written and verbal communication. Values contributions of all team members and is effective at resolving workplace conflicts. Strong communication, and interpersonal skills. Excellent problem-solving and analytical abilities. Highly detail-oriented with strong organizational skills. Demonstrate the willingness and ability to work collaboratively and make sound decisions in a fast-paced environment. If you are considered for an offer of employment at TVFCU, you must successfully complete a pre-employment screen that includes: Verification of education, employment and other pertinent data included on your employment application, and eligibility to work in the United States Criminal background check and drug screening Pre-employment credit check required Pre-employment screening helps TVFCU provide a safe environment for our members and employees, minimize risk, and ensure federal compliance.