Job: Home Loan Originator - Cottonwood

This posting has expired and is no longer available.

Jobing Description

Arizona State Credit Union has an exciting opportunity for a Home Loan Originator! The ideal candidate will have 2-4 years residential lending experience. This is the perfect position for a hardworking, motivated individual looking to succeed within this thriving organization! 

SUMMARY

Assists members with their mortgage needs. Works with assigned branches to assist members. Further responsible for developing outside mortgage loan business, working with realtors, builders, and other sources. Responsible for interviewing applicants for real estate loans and originating applications consistent with credit union policies and all applicable Real Estate-specific NCUA, federal, wholesale and secondary market real estate lending rules and regulations. Gathers background information and analyzes loan applicants' credit history. Requires the ability to liaison between multiple Real Estate Lending teams, branches and branch associates. members, and credit union departments.

ESSENTIAL DUTIES AND RESPONSIBILITIES

-Effectively works with branches in assigned market area to build relationships, assists branch associates in understanding real estate loan products and processes, and markets credit union real estate loan product line to members.

-Develops mortgage loan business through member seminars and calls on realtors, contractors, and other potential sources. Interviews applicants and requests specified information for loan application. handles mortgage loans of the highest complexity, value, or risk.

-Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.

-Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.

-Corresponds with or interviews applicant or creditors to resolve questions regarding application information.

-Compiles loan package and facilitates negotiation with applicant according to establishment standards, such as fees, loan repayment options, and other credit terms.

-Required to accurately use multiple computer programs in completing work, including Prime Alliance, Mortgage Ware, MS Word, MS Excel, MS Windows, File Manager, HMDA Reporting, and other computer programs as required.

-Approves loan within specified limits or refers loan to loan committee for approval.

-Ensures loan agreements are complete and accurate according to policy.

-Assures timely loan closing and funding activities. Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.

-Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.

-Promotes and cross-sells other establishment products and services as appropriate to member requirements.

-Provides loan data to support marketing and sales promotion programs.

Skills / Requirements

QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience Bachelor's Degree preferred. Two to four years residential lending experience. Must have experience in using Prime Alliance, MortgageWare, File Manager and/or HMDA, as well as MS office suite. Thorough knowledge in loan origination and closing requirements for conventional, construction, and non-conforming portfolio loan programs.

Language Skills Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Mathematical Skills Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Computer Skills To perform this job successfully, an individual should have knowledge of Database software, Spreadsheet software and Word Processing software. Must be familiar with Prime Alliance, MortgageWare, File Manager and/or HMDA

Locations

ASU West
4701 W. Thunderbird
Glendale, AZ 85306
Chino Valley
1021 N. Hwy 89 #106
Chino Valley, AZ 86323
Corporate Headquarters
2355 W. Pinnacle Peak Rd
Phoenix, AZ 85027
Cottonwood
601 W. Hwy 89-A
Cottonwood, AZ 86326
East Flagstaff
5200 N. Highway 89
Flagstaff, AZ 86004
Flagstaff
321 S. Beaver Street
Flagstaff, AZ 86001
Gilbert
2277 W. Guadalupe Road
Gilbert, AZ 85233
Monroe
1812 W. Monroe
Phoenix, AZ 85007
Oracle N.W. Tucson
6464 N. Oracle Road
Tucson, AZ 85704
Payson
104 E. Hwy 260
Payson, AZ 85541
Prescott Gurley
550 E. Gurley Street
Prescott, AZ 86301
Prescott Valley
7111 Pav Way
Prescott Valley, AZ 86314
Prescott Willow Creek
1335 Gail Gardner Way
Prescott, AZ 86305
Rethink Banking Center
1290 S. Normal Ave.
Tempe, AZ 85281
Safford
280 W. Main Street
Safford, AZ 85546
San Tan
2721 S. San Tan Village Parkway
Gilbert, AZ 85295
Scottsdale
6501 E. Greenway Parkway, Suite 133
Scottsdale, AZ 85254
Tempe
840 E Southern Ave. Suite 101
Tempe, AZ 85282
Tucson University
1001 N. Park Ave.
Tucson, AZ 85719
Tucson-Alvernon
777 S. Alvernon Way
Tucson, AZ 85711
Union Hills
8285 W. Union Hills
Glendale, AZ 85308
ASU West
Chino Valley
Corporate Headquarters
Cottonwood
East Flagstaff
Flagstaff
Gilbert
Monroe
Oracle N.W. Tucson
Payson
Prescott Gurley
Prescott Valley
Prescott Willow Creek
Rethink Banking Center
Safford
San Tan
Scottsdale
Tempe
Tucson University
Tucson-Alvernon
Union Hills

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