Summary

Join us at Prospera Credit Union and become part of a team that is passionately committed to providing personal, tailored financial guidance to each of our members. At Prospera Credit Union, people aren't just numbers or transactions, and you won't be treated that way either.

What sets us apart

• Great Paid Time Off

Benefits

• Prospera pays 90% of medical monthly premium costs
• Prospera matches up to 5% of 401K contributions
• Prospera provides short-term disability and long-term disability at no cost to you

Purpose

• Reporting to the Chief Lending Officer, the Senior Mortgage Loan Originator plays a key role in helping members achieve homeownership by providing expert guidance and personalized mortgage solutions.
• This position focuses on delivering an exceptional member experience through education, community involvement, and a deep understanding of the local market.

Responsibilities

• Develop and maintain expert knowledge of Credit Union products, services, guidelines, policies, and procedures.
• Engage with members to assess mortgage needs, provide product recommendations, and guide them through the application process, ensuring clarity and transparency.
• Understanding of secondary market principles, loan sale readiness, and delivery standards.
• Demonstrated ability to interpret credit reports, DU/LP findings, income documentation, and collateral evaluations.
• Maintain compliance with all applicable mortgage lending regulations including but not limited to: Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Home Mortgage Disclosure Act (HMDA), Equal Credit Opportunity Act (ECOA), Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).
• Consistently meet or exceed individual loan production goals, while maintaining high-quality documentation and member service standards.
• Collect and review all necessary documentation, ensuring accuracy and completeness to facilitate efficient underwriting and closing processes.
• Assemble, document, and maintain accurate and complete loan files, including approvals, denials, and returned applications.
• Work closely with underwriting, processing, and closing teams to ensure seamless loan progression and address any issues promptly.
• Develop and maintain strong relationships with members, provide ongoing support and identifying opportunities for additional financial services that align with their needs.
• Represent the credit union at community events and workshops to promote homeownership education and the credit union's mortgage offerings. Proactively build and maintain referral relationships with realtors, builders, and other community partners to generate qualified mortgage leads.
• Stay informed about industry trends, market conditions, and new mortgage products to provide members with the most current and beneficial options. 

Qualifications Education, Experience and Skills

• Bachelor's degree in finance, business, or a related field or equivalent work experience in mortgage lending, real estate finance, or a related field may be considered in lieu of a degree.
• 3-5 years of experience in mortgage lending, with a proven history of successful loan origination and member service.
• Must meet all requirements under the SAFE Act, including eligibility for licensing and registration with the Nationwide Mortgage Licensing System and Registry (NMLS).
• Strong understanding of conventional and government mortgage products, secondary market guidelines, and lending regulations.
• Excellent interpersonal and communication skills, with the ability to build strong relationships with members and referral partners.
• Proficiency in mortgage loan origination systems (LOS), digital lending tools, and Microsoft Office Suite.
• High degree of professionalism, discretion, and integrity when handling confidential member information.

How to Apply

If you are looking for a great opportunity to join a growing team, let's talk! Prospera Credit Union is a local, member-owned financial institution in the Fox Valley area. We offer competitive compensation, an excellent benefits package and the opportunity to work in a fun, friendly, team-oriented atmosphere. Life is short. Work somewhere awesome!

** Prospera Credit Union is an Equal Opportunity and Affirmative Action Employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran status. Information collected regarding categories as provided by law will in no way affect the decision regarding an employment application.

** For more information, or to apply now, you must go to the website below. Please DO NOT email your resume to us as we only accept applications through our website.