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Mortgage Originator
First Source Federal Credit Union
Operations
New Hartford, NY, USA
Posted on Mar 31, 2026
POSITION SUMMARY
The primary responsibility of this position is to provide exceptional experience to our membership by promoting the mission, lending philosophy, and values of the organization. Be the mortgage champion for the branches, Member Care Center, and those within the local real estate community. Through the referral process initiated by the Member Services team we seek to counsel and educate our members to improve their financial lives. Maintain a high level of quality standards while meeting individual goals and assisting the credit union in attaining branch and organizational goals as assigned.
ESSENTIAL JOB FUNCTIONS
- Demonstrate comprehensive knowledge of a broad range of mortgage products and ensure full compliance with Fannie Mae and Freddie Mac guidelines.
- Conduct thorough and detailed applicant interviews to understand financial goals and recommend appropriate mortgage products.
- Collect and analyze financial documentation, credit reports, and application data.
- Clearly understand and explain loan options, terms, costs, and requirements to applicants.
- Utilize the Encompass mortgage platform efficiently, including processing prequalification’s and managing rate locks upon receipt of contracts.
- Prepare and submit fully documented loan applications for processing and underwriting.
- Monitor loan progress, proactively addressing documentation needs to ensure all conditions are satisfied within contract timelines and rate-lock parameters.
- Maintain consistent communication with borrowers, providing timely and accurate updates throughout the process.
- Serve as a liaison between processors, applicants, and real estate partners to ensure seamless experience from application through closing.
- Attend closings as a representative of First Source to support and assist members.
- Identify member needs and refer appropriate credit union products and services, promoting cross-sell opportunities.
- Cultivate long-term member relationships, realtor relationships, and community members by applying Member Value Culture and Universal Behaviors.
- Assist in loan funding and wire procedures when support staff are unavailable.
- Meet or exceed individual loan production goals and contribute to team results.
- Remain compliant with federal regulations including but not limited to; NMLS requirements and BAI training (Bank Secrecy, OFAC, and Privacy).
- Attend required training sessions and engage in ongoing professional development.
- Travel to branches, attorney offices, realtor offices, and community events as required.
- Perform additional duties as assigned.
UNIVERSAL BEHAVIORS
Knowledgeable and Experienced
- I promise to take personal ownership for learning and using that knowledge to provide value to those that I serve by:
- Looking for answers until I find them.
- Seeking opportunities to learn from others.
- Appreciating and respecting other views.
- Acknowledging mistakes and learning from them.
- Going out of my way to share my knowledge and experience.
Striving for Operational Consistencies
- I promise to make it easy for you through consistency, efficiency, and accuracy by:
- Doing it right the first time, being thorough and accurate.
- Taking pride and ownership in my work
- Making and keeping commitments.
- Continuing to look for better ways to do things and challenging the status quo.
Rewarding Work Environment
- I promise to show care, compassion, and respect toward everyone I interact with by:
- Being approachable and accessible to others.
- Creating a pleasant work environment for each other.
- Always asking what more I can do.
- Resolving differences promptly
- Recognizing the contributions of others.
- Embracing diversity in the workplace.
Committed to Member Service
- I promise to deliver exceptional member service by:
- Interacting with a natural and genuine friendliness.
- Being courteous and respectful.
- Creating a welcoming environment.
- Exceeding your expectations.
- Sharing the moment and finding common ground.
QUALIFICATIONS, SKILLS, AND EXPERIENCE
- High School or equivalent, 1-3 years’ work experience or related business degree, financial institution experience preferred
- Excellent communication and interpersonal skills
- Self-motivated
- Flexible
- Willingness to travel to branches, Attorneys, and realtor
s’offices