A+ Federal Credit Union · 3 months ago
Mortgage Loan Originator III
Austin, TX
Full-time
Onsite
Senior Level
$67K/yr - $67K/yr
5+ years expA+ Federal Credit Union is seeking a Mortgage Loan Originator III to enhance their residential lending strategy. The role involves originating high-quality mortgage loans, building member relationships, and supporting team development while ensuring compliance with mortgage regulations.
BankingDebit CardsFinancial Services
Responsibilities
Originate first mortgage loans (target mix: 80% first mortgages, 20% home equity loans/lines)
Collect, review, and analyze loan application data (credit reports, income, assets)
Recommend customized mortgage solutions based on current rates and programs
Present loan terms in alignment with credit union policies
Submit complete and accurate loan applications and documentation
Collaborate with processing team to ensure efficient loan handling
Cross-sell credit union products to deepen member relationships
Serve as a subject matter expert and sales leader
Conduct group presentations to promote mortgage products
Act as first point of contact for MLO team regarding member escalations
Resolve complex issues or escalate appropriately to leadership
Support training, coaching, and development of team members
Provide performance feedback to mortgage leadership
Recommend sales and marketing strategies to leadership
Build and maintain referral networks (realtors, title companies, builders)
Stay current on mortgage laws and regulations to ensure compliance
Represent the credit union at external events and community initiatives
Complete annual compliance training
Participate in departmental projects and continuous improvement efforts
Assist leadership with special tasks and maintain confidentiality
Perform other duties as assigned
Qualification
Required
High school diploma or GED required; Bachelor's degree strongly preferred
Minimum 4 years of financial institution experience
Minimum 5 years of mortgage/home equity origination experience
Minimum 2 years of FHA/VA origination experience
Advanced knowledge of mortgage products (Fannie Mae, Freddie Mac, FHA, VA, Home Equity)
Strong understanding of compliance documentation and regulations (RESPA, TILA, TRID, ECOA, FACTA, HMDA)
Familiarity with mortgage lending practices, insurance, secondary market, and systems
Excellent communication, analytical, and data entry skills
Strong attention to detail and ability to work independently or in teams
Dependable, self-motivated, and adaptable
Critical thinking and conflict resolution skills
Must register with the Nationwide Mortgage Licensing System (NMLS) upon hire and maintain registration annually
Ability to work at least 40 hours per week
Frequent reaching, bending, stooping, carrying, and data entry
Heavy communication via phone, email, and in-person
Problem-solving skills for field-related issues
Preferred
Experience mentoring/training MLOs preferred
Bilingual Spanish preferred
Professional appearance and demeanor
Strong verbal communication and public engagement skills
Flexible schedule and dependable work ethic
Organizational and decision-making abilities
Versatility across credit union functions
Company
A+ Federal Credit Union
A+ Federal Credit Union is a full-service financial institution that offers financial education, credit union, and online banking services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Julie Bowering
Senior Vice President of Lending
Recent News
2025-10-17
2025-09-25
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