Internal Mortgage Originator (Commission Eligible)

At Suffolk Credit Union, we empower our members and strengthen our community by promoting financial wellness, transparency, and respect. Join us to enjoy comprehensive benefits, including health plans, 401(k) matching, and support for work-life balance, along with employee engagement activities and opportunities for community involvement.Role Overview:The Mortgage Originator builds relationships with referral sources and Suffolk members while promoting Credit Union lending products. This role assesses borrowers' financial needs, explains loan options, completes applications, collects documentation, and coordinates with all parties throughout the mortgage process. The position ensures excellent member service and compliance with lending programs and all federal and state regulations, including Fair Lending, and requires travel among the Credit Union's 10 branch locations as needed. This position also offers a performance-based incentive program, providing the opportunity to increase total compensation through mortgage production, relationship development, and successfully guiding members through the home financing process. Our incentive structure recognizes and rewards strong performance, giving motivated professionals the opportunity to maximize their income while helping members achieve one of life's most important financial milestones, homeownership.Key Responsibilities: Prospect new mortgage and consumer loan opportunities.Verify and apply member eligibility requirements.Communicate with members and eligible non-members via walk-ins, phone, and referrals regarding real estate loans.Conduct borrower interviews to determine the most suitable mortgage product based on individual needs.Accept, review, and process loan applications, ensuring all required documentation is collected.Submit complete loan applications through the Loan Origination System (LOS).Perform outbound calls for sales, loan follow-ups, and issue resolution.Meet with members throughout various stages of the loan process.Use Suffolk Credit Union and vendor resources to provide accurate loan program and policy information.Coordinate with management, processors, and underwriters to ensure timely document submission and loan condition fulfillment.Oversee the loan process from origination to closing while maintaining consistent communication with members and partners.Achieve production goals and complete all required Mortgage Loan Originator training while maintaining knowledge of LOS, Core banking systems and consumer lending programs.Essential Qualifications: Minimum one year of residential mortgage origination experience.Proven ability to prospect, generate leads, and meet or exceed production goals.Strong understanding of mortgage processing, underwriting, and closing procedures.Knowledge of conventional lending guidelines; familiarity with government programs preferred.Understanding of federal regulations governing real estate lending.Strong computer skills, including Microsoft applications and database systems.Excellent time management with the ability to prioritize and handle multiple tasks.Strong analytical, communication, and interpersonal skills with the ability to interpret financial data and present lending options. Apply today and embark on a rewarding career and start empowering your possible!Suffolk Credit Union provides equal employment opportunities to all applicants and prohibits discrimination of any type on the basis of actual or perceived race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth and pregnancy-related conditions), gender identity or expression (including transgender status), sexual orientation, marital status, military service and veteran status, physical or mental disability, genetic information or any other characteristic protected by applicable federal, state or local laws.Compensation for employees is generally offered within the range of the minimum to midpoint of the posted salary scale, based on qualifications, internal pay equity, and the budget for the position. This compensation range adheres to state-specific regulations. The determination of your actual pay rate may take into consideration factors such as your skills, years of experience, and other pertinent qualifications.

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