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Novi, MI, USA | Base + Commission | Full Time

Our Purpose

At Vibe, we are driven by our mission to elevat e community and creat e opportuni ty . We believe in fostering an environment of inclusivity where every team member has the chance to grow professionally . Guided by our core values – be i nclusive, educat e , embrac e change, and seek opportunities - we are dedicated to making a positive impact in the lives of our members and communit ies. As we continue to grow and expand our team, we are seeking passionate individuals who share our vision and are eager to join us in our journey . If you are someone who is passionate about making a difference and is committed to creating a brighter future for our communit ies , we invite you to explore this exciting opportunity at Vibe!

Position Purpose

Th is position is responsible for driving Vibe's growth through a strong focus on sales performance, actively identifying opportunitie s to generate mortgage business , cultivating strong referral relationships, and meeting or exceeding production goal s . As a trusted advisor, the Mortgage Loan Originator guid es members through the mortgage process with integrity, empathy, and professionalism. By conducting thorough and honest loan applications , th ey ensure each member is well-informed and supported with personalized financial solutions . This role champions exceptional service , both internally and externally , through clear communication, attention to detail, and a commitment t o expanding the credit union's reach and impact.

Essential Duties

+ Actively pursues opportunities to generate new mortgage business through strategic outreach and resource use.

+ Adheres to all Mortgage Compliance and Financial Institution regulatory procedures and policies.

+ Possess knowledge of the entire mortgage process, including familiarity with credit reports, appraisals, titles and title insurance documentation.

+ Interviews, takes applications and processes preliminary documentation on loan requests accurately and thoroughly.

+ Discusses loan alternatives, credit criteria, and interest rates with members.

+ Conveys underwriting findings and recommendations to members.

+ Advising members on loan approval or denial, providing precise and clear explanations for loan denials, counseling declined members on the necessary steps to potentially qualify for a mortgage in the future, and offering guidance on money management and financial matters.

+ Complete weekly follow-up with all loan applications in process.

+ Join community networking group.

+ Professionally cross-sells Vibe Credit Union products and services.

Education/Experience

+ High School graduate or equivalent

+ Three (3) years of related experience

+ NMLS designation

Skills/Abilities

+ Working knowledge of FHA Guidelines

+ Exceptional interper sonal and communication skills, with the ability to convey complex information clearly, build trust, and adapt communication style to a variety of audiences.

+ Strong organizational abilities, demonstrated through consistent attention to detail, document management, and the ability to keep multiple processes aligned and on track .

+ Advanced prioritization and time management skills, with the capacity to manage competing deadlines, maintain focus under pressure, and deliver timely results without compromising quality .