External Mortgage Loan Originator

OUR LEADERSHIP PHILOSOPHY
At Lighthouse Credit Union, we believe all individuals, regardless of position level, are considered leaders. By providing a framework that balances clarity with adaptability, our Leadership Competencies aim to foster a culture of continuous growth and agile leadership. Lighthouse Credit Union is committed to embracing change, nurturing leadership talent, and ensuring our performance management practices are aligned with our vision of fostering a resilient and forward-thinking organization. As such, we all hold ourselves accountable to the following:

LEADERSHIP COMPETENCIES

Demonstrates Interpersonal Awareness & Skills
A cornerstone of our collaborative work environment, this competency emphasizes effective communication, relationship building and teamwork. It also supports creating a positive work environment that values individual contributions and fosters teamwork. As an individual leader, you will demonstrate active listening, clear communication, and contribute beneficially to team dynamics.

Embraces Change & Learning
This competency focuses on adaptability, personal development and the advocacy and embracing of progressive change. You will be challenged to explore continuous learning opportunities to achieve excellence and foster a culture of growth and innovation. As an individual leader, you will actively engage in personal development, embrace change enthusiastically and support team members in their growth. You will also demonstrate flexibility and adaptability in response to changing circumstances.

Utilizes Critical & Creative Thinking
Underlining the importance of innovative problem solving, challenging the status quo and strategic thinking, this competency is vital for driving excellence and leadership. This competency challenges team members to take initiative beyond one's immediate responsibilities. As an individual leader, you will actively look for and share opportunities for improvement, show open-mindedness to new ideas and professionally challenge inefficient processes. You will also actively contribute to defining solutions and promoting innovation.

Takes Personal Ownership
This competency focuses on taking responsibility for performance goals, proactive collaboration, and accountability. It highlights the significance of each team member taking ownership of their role and contributions while demonstrating leadership qualities regardless of their position. As an individual leader, you will be actively engaged in setting and achieving performance goals, take responsibility for personal action and decisions and seek opportunities for self-improvement and skill development.

POSITION SUMMARY
Under the direction of the VP, Lending, the External Mortgage Loan Originator plays a crucial role in sourcing and originating first mortgage home loan products. This role involves coordinating with mortgage loan processors, underwriters, and borrowers to ensure a smooth and efficient pipeline, maintaining accurate documentation, and adhering to credit union and regulatory requirements. The goal is to develop a pipeline of business through building relationships and to ensure a smooth and efficient loan experience for the borrowers.

ESSENTIAL FUNCTIONS & RESPONSIBILITIES
* Sources mortgage leads.
* Builds relationships with real estate agents and other lead sources.
* Analyzes potential loan markets and develop referral networks to locate prospects for loans.
* Markets products to individuals and firms, promoting Lighthouse services that may meet borrowers' needs.
* Meets with applicants to obtain information for loan applications and answer questions about the process.
* Analyzes applicants' financial status, credit, and property evaluations to assess feasibility.
* Explains to borrowers the different types of loans and credit options that are available, as well as the terms of those services.
* Generates complete loan applications with corresponding documentation.
* Improves loan applications and documentation by informing the applicant of additional requirements.
* Assists borrowers by answering questions and responding to requests.
* Manage communications with the real estate agent or referral source.
* Collaborates with processing and underwriting to aid in resolving mortgage application problems.
* Maintains job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations.
* Actively participates in activities in connection with mortgage sales, including but not limited to attend closings, open houses, and/or conduct Lighthouse seminars/trainings and other lead-generating activities.

JOB SPECIFICATIONS
* Understanding of mortgage lending regulations, compliance standards, and loan products.
* Familiarity with the mortgage application and closing processes.
* Must meet and comply with all requirements set forth in the SAFE ACT including but not limited to successful completion of the required background checks and obtaining a Unique Identifier for NMLS.
* Strong organizational and time management abilities.
* Excellent verbal and written communication skills.
* A significant level of trust and diplomacy is required, in addition to normal courtesy and tact.

EDUCATION, TRAINING & EXPERIENCE
* A two-year college degree or completion of a specialized certification or licensing
* Two to five years of similar or related experience.
* Proficiency in mortgage origination software and Microsoft Office Suite.

WORK ARRANGEMENT
The working arrangement for this position is hybrid. Hybrid work is an opportunity to find the right balance between working in the office and remotely, especially if it supports individual success and the needs of our organization. Hybrid schedules are determined by the hiring manager based on business unit needs and may vary by department.

PHYSICAL REQUIREMENTS
* Must be able to walk, stand, sit, speak, read, write, see, hear, push, or pull (with or without accommodation).
* Frequently remains sitting in a stationary position for extended periods of time operating office/computer equipment.
* Occasionally lifts and/or moves up to 20 pounds.

TRAVEL REQUIREMENTS
Travel will be regularly required for business development, ongoing training, meetings, and/or other business needs.

We know life doesn't pause when you're at work - and your benefits shouldn't either. At Lighthouse Credit Union, we offer real support for real life, with perks that help you stay healthy, grow your future, and take care of what matters most.

* Student Loan & Tuition Assistance - Whether you're paying off debt or going back to school, we help lighten the load.

* Employee Loan Discounts - Get access to lower rates on personal loans, just for being part of the team.

* Weekly Paychecks - Because waiting two weeks shouldn't be the norm.

* 401(k) with Employer Match & Profit Sharing - We invest in your future with generous contributions and immediate vesting.

* Lighthouse Leave Program - Paid time off for major life moments, from welcoming a child to caring for a loved one.

* Volunteer Time Off (VTO) - Give back to your community with paid time to serve.

* PTO + Paid Federal Holidays - Rest, recharge, and celebrate without worry.

* Balanced Schedule - All branches close by 5pm and on Sundays - no late nights or unpredictable shifts.

* Comprehensive Medical, Dental & Vision Plans - Coverage that starts quickly and fits your needs.

* HSA/FSA Options - Save pre-tax dollars for everyday health expenses.

* Discounted Pet Insurance - Because furry family members deserve care too.

* Employee Assistance Program (EAP) - Free, confidential support for life's challenges - available 24/7.

* Annual Bonus Program - Celebrate your wins, your teammates' successes, and the Credit Union's growth - together.

* Engagement Groups - Join communities like Pride at Work, Women in Leadership, Book Club, and more.

* Ongoing Training & Career Growth - We invest in your development from day one.

* Annual Summit & Team Outings - Celebrate wins and connect with coworkers across the organization.

LIGHTHOUSE CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER

DISCLAIMER
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not intended to be an exhaustive list of all responsibilities, duties and skills required.