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Canyon State Credit Union

Job: Mortgage Loan Originator

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Jobing Description

Are you looking for an opportunity let your skills shine?  Come join the team at Canyon State Credit Union! We aren’t so small that growth opportunities are scarce and we aren’t so big that you’ll get lost in the shuffle.  With only 70 employees, we are able to offer similar products and services as our larger competitors, but on a more personalized scale, both with our members and our employees.  This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to, in the corporate world.  At Canyon State Credit Union, we value the contributions of our employees and actively look for ways to be collaborative, within all levels of the organization. Here, you will have the opportunity to roll up your shirtsleeves, put your unique skills to work, and have a voice in developing your role from the ground up.

 

As a Mortgage Loan Originator you will:

  • Demonstrates a highly motivated, positive, out-going, influential personality with a strong emphasis on sales and results orientation to ensure the credit union maximizes lending and sales opportunities with members who apply for credit over the phone, on-line, or in person.
  • Interviews members to analyze and discuss member’s overall financial position, credit, property evaluations and assist in all aspects of mortgage lending process. Looks for opportunities to cross-sell other credit union products and services and makes recommendations to borrowers.
  • Serves as a trusted advisor to membership by viewing situations from the member’s perspective to effectively respond to their needs and concerns, often going beyond the initial need or expressed concern of the member depending on the situation.
  • Actively and consistently seeks qualified opportunities to increase loan volume and residual product penetration.
  • Consistently achieves sales goals by overcoming objections with persuasion and persistence.   Presents appropriate solutions to fit members’ needs and enhance the quality and depth of member relationships and profitability.
  • Works with realtors, title companies, sellers, buyers and others involved in purchase money real estate transactions to ensure timely and accurate closing and settlement.
  • Ensures all necessary information is obtained on loan applications to permit a proper loan evaluation and decision.
  • Review active loan files regularly to determine if documents are missing or where assistance can be provided with the lending process.
  • Evaluates loans in conformity with Credit Union policies, Secondary Market standards and appropriate regulations and makes recommendations for approval or disapproval on mortgage loan applications to underwriters.

 

To be successful in this role, you will need the following competencies:

Technologically Astute – Demonstrate the ability to use technology to effectively and efficiently perform job functions.

Results Orientation – Keenly aware of personal, team, departmental and credit union wide goals and be able to prioritize and collaborate with others to achieve success. 

A Service Focus – Demonstrate an unsurpassed commitment to exceptional member service.  Build constructive working relationships characterized by cooperation, collaboration, and mutual respect.  Personify CSCU’s role as a Trusted Advisor.

Initiative – Motivated self-starter who measures self against standards of excellence.  Display energy and enthusiasm in approaching the job.  Wants to get in on the ground floor and create something from scratch.  A bit of an entrepreneurial spirit goes a long way in our environment. 

Eye for Quality – Take responsibility for providing timely and accurate information, responses and decisions to internal and external members.  Willingly accepts and embraces constructive coaching and feedback as needed. 

Flexibility - The ability excel in a high stress environment, adapt to changing business needs and work priorities needs is a must.   Develop fresh ideas that provide solutions to all types of workplace challenges. 

 

Join a winning team and a dedicated Credit Union!!! We have been offering quality financial service to members and their families since 1951. As a credit union, we are a not-for-profit financial cooperative, which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951, we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security, quality, and convenience in an environment that values and respects members, employees, and business partners.

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