Mortgage Loan Originator

Job Details

Job Location Corporate Offices - Lexington, KY Position Type Full Time Education Level High School   Salary Range $12.02 - $26.44 Base+Commission / year Travel Percentage None Job Shift Day Job Category Finance

Description

Title : Mortgage Loan Originator

Department : Mortgage Lending

Reports To : Associate Vice President of Mortgage Lending

Job Grade : 8

FLSA : Non-Exempt Last Modified : 6 / 13 / 2025

It's a Job ... Only Better!

At UKFCU, we're more than a Credit Union - we're a community, and we've been proudly serving our members since 1937! As a rapidly growing, not-for-profit organization, we're dedicated to making a real difference in the lives of our members and employees alike. If you're looking for a workplace where you can grow, make an impact, and have fun while helping others, UKFCU is the place for you!

Why This Role Matters

As a Mortgage Loan Originator, you play a crucial role in helping members achieve their homeownership goals by guiding them through the mortgage loan process. Your work ensures that loan applications are completed accurately, efficiently, and in accordance with credit union and investor guidelines. You'll build strong member relationships, offer tailored financial solutions, and drive growth through your deep understanding of mortgage lending products and regulations.

What You'll Do

Mortgage Loan Origination & Member Engagement

• Develop and maintain strong relationships with members, real estate professionals, and other industry contacts to generate loan opportunities
• Interview prospective borrowers to gather necessary information and input it into the loan origination system
• Provide required disclosures and ensure timely and complete loan application submissions
• Recommend suitable mortgage options based on members' needs and investor guidelines
• Guide borrowers through the application process, from submission to closing, ensuring a smooth and professional experience
• Explain credit decisions and loan terms clearly and professionally
• Cross-sell appropriate credit union products and services
• Stay current with industry regulations, trends, and mortgage products

Loan Application & Processing Support

Performance & Growth

Qualifications

Who You Are

Experience & Education

Skills & Strengths

Key Traits

What's in It for You?

Legalese

Equal Opportunity Employer

UKFCU is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law.

At-Will Employment

Employment with UKFCU is deemed "at-will," which means that either you or the company may terminate the employment relationship at any time, with or without cause or notice, unless otherwise provided by law.

Physical and Cognitive Demands

This role requires a blend of physical activity and mental focus to effectively perform its essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this role. Key physical activities include sitting, standing, walking, and occasional lifting (up to 25 pounds). You'll also use your hands for various tasks, reach with your arms, and engage in conversations. Vision requirements include the ability to focus, perceive depth, and distinguish colors. Cognitive abilities essential for this role include judgment, auditory perception, memory, reasoning, and occasional persuasion.

Work Environment

You'll primarily work indoors in a comfortable, climate-controlled office setting. The noise level is typically moderate, ensuring a focused yet dynamic work environment. Reasonable accommodations will be provided as needed to support an inclusive workplace.

This job description provides a general overview of the responsibilities and expectations for this role. It is not a comprehensive list of tasks, and employees may be asked to take on additional duties to support team success.

This position allows for an optional hybrid work arrangement which includes a combination of both in-office and remote work arrangements. (Maximum of two days remote, three days in-office). To be eligible for the program, employees must complete a minimum of 90 days of continuous, regular employment, be in good standing, and submit a formal hybrid work application prior to being eligible for hybrid work, pending supervisor approval. Work schedules will be established by the employee's supervisor according to business needs. Working locations and schedules may be altered at management discretion.