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About the job

This is an exciting opportunity to join our fast-growing mortgage team; but first, here is a little bit about Elements Financial:

WE MAKE MONDAYS MORE ENJOYABLE.

There are many ways to describe the Elements culture: fun, meaningful, supportive, and full of opportunities. See here for more information - https://www.elements.org/careers/our-culture/

Today we serve the employees of 150+ organizations around the U.S. We currently rank among the top 3% of credit unions nationally with 100,000+ members. We have the resources, staff, and expertise to support our members with unparalleled service and leading-edge technology.

Now let's get into this exciting role!

Elements Financial is a best place to work because we want our employees to Be the Expert, Live the Purpose, and Grow the Business. Our Purpose is to Empower Members to Achieve Financial Success . This position will develop relationships with local realtors and title companies. They will also build a strong relationship with the members and other external sources to create referrals and return business.

You will learn how to be the expert to best serve our members:

Complete working knowledge of automated underwriting systems (DU & LP).

Complete the first mortgage origination process and produce accurate and timely disclosures.

Transact business in accordance with state and federal regulations and credit union policies and culture including, but not limited to, RESPA, HMDA, and Fair Lending Practices.

Analyze and structure complex loan applications and provide solutions to members.

You will make a difference as you live out our purpose:

Manage personal pipelines to ensure service standards and financial goals are met.

Communicate effectively with members during application and during the loan process to deliver exceptional member experience.

Consistently work in accordance with published departmental sales and service standards.

Prepare file for submission to Operations in accordance with established requirements.

Collaborate with all areas of Operations to ensure the loan process is smooth and efficient for our members and employees.

You will help grow the business:

Direct members into the best loan product(s) for their cash flow needs, income constraints and financial goals.

Proactively complete outbound sales calls to always ensure a full pipeline.

Obtain and analyze pertinent financial and credit data.

Analyze current rates and programs to provide accurate and timely information to the members.

Negotiate terms and conditions of loans with applicants.

You will continue to grow professionally:

Continue to develop knowledge of industry practices, products, and professional growth.

Participate in appropriate learning opportunities to maintain expertise.

Minimum Requirements:

5+ years of relevant mortgage originating and loan structuring experience.

Ability to build internal and external relationships.

Experience collecting and analyzing borrower income and financial data.

Strong analytical and mathematical abilities.

Strong collaboration and communication (oral and written) skills.

Ability to leverage skills, knowledge, and experience to invest in our community.

Ability to foster an inclusive environment that promotes belonging.

A focus on respect and excellent service to both external and internal (team) members.

A proven track record of integrity with a demonstrated ability to build trust.

Ability to handle competing priorities effectively and within established timeframes.

Professional demeanor and attire.

Proficient with all MS Office applications (Word, Excel, Outlook, etc.).

Must be registered or meet registration requirements with the Nationwide Mortgage Licensing System Registry with an active NMLS License ID.

Demonstrate proficient use of technology tools and possess knowledge of basic system navigation skills.

The pay salary range is inclusive of base salary and potential sales incentive compensation based upon the applicable incentive compensation plan for this position. Base salary is determined on several factors, including but not limited to, relevant skill, prior experience, education, base salary of internal peers, demonstrated performance, and geographic location. Incentive compensation is dependent on achievement of goals set forth in the incentive compensation plan. Additionally, Elements Financial’s Total Rewards package is highly competitive, designed to support your success at work, at home, and at play – such as 401K matching, health benefits, paid time off, volunteer time off, and more. Our team is always happy to discuss all that Elements Financial has to offer!