Job Description

Job Description

Job Description

Join us at Prospera Credit Union and become part of a team that is passionately committed to providing personal, tailored financial guidance to each of our members.

At Prospera Credit Union, people aren't just numbers or transactions, and you won't be treated that way either.

What sets us apart:

• Generous PTO - Enjoy great paid time off benefits to support work-life balance!
• Affordable Healthcare - Prospera covers 90% of medical premiums, ensuring quality care at a low cost!
• High 401(k) Matching - Dollar-for-dollar matching up to 5% of contributions to build your retirement savings!
• Complete Disability Coverage - Fully paid short and long-term disability coverage for financial protection!

Purpose:

Reporting to the Director of Retail Lending, the Senior Mortgage Loan Originator plays a key role in helping members achieve homeownership by providing expert guidance and personalized mortgage solutions. This position focuses on delivering an exceptional member experience through education, community involvement, and a deep understanding of the local market.

Job Responsibilities :

• Develop and maintain expert knowledge of Credit Union products, services, guidelines, policies, and procedures.
• Engage with members to assess mortgage needs, provide product recommendations, and guide them through the application process, ensuring clarity and transparency.
• Demonstrated ability to interpret credit reports, DU/LP findings, income documentation, and collateral evaluations.
• Maintain compliance with all applicable mortgage lending regulations including but not limited to: Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).
• Collect and review all necessary documentation, ensuring accuracy and completeness to facilitate efficient underwriting and closing processes.
• Assemble, document, and maintain accurate and complete loan files, including approvals, denials, and returned applications.

Education, Experience and Skills:

• Bachelor's degree in finance, business, or a related field or equivalent work experience in mortgage lending, real estate finance, or a related field may be considered in lieu of a degree.
• 3-5 years of experience in mortgage lending, with a proven history of successful loan origination and member service.
• Must meet all requirements under the SAFE Act, including eligibility for licensing and registration with the Nationwide Mortgage Licensing System and Registry (NMLS).
• Strong understanding of conventional and government mortgage products, secondary market guidelines, and lending regulations.
• Excellent interpersonal and communication skills, with the ability to build strong relationships with members and referral partners.
• Proficiency in mortgage loan origination systems (LOS), digital lending tools, and Microsoft Office Suite.
• High degree of professionalism, discretion, and integrity when handling confidential member information.

If you are looking for a great opportunity to join a growing team, let's talk!

Prospera Credit Union is a local, member-owned financial institution in the Fox Valley area. We offer competitive compensation, an excellent benefits package and the opportunity to work in a fun, friendly, team-oriented atmosphere.

Life is short. Work somewhere awesome!

** Prospera Credit Union is an Equal Opportunity and Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran status. Information collected regarding categories as provided by law will in no way affect the decision regarding an employment application. **

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