KS Home Equity Loan Originator

MERITRUST CREDIT UNION•Wichita, KS

41d•$17 - $17•Onsite

About The Position

The Home Equity Loan Originator drives growth of home equity loans and HELOCs by sourcing, consulting, and guiding members/customers through the end‑to‑end lending process. The role builds referral networks, partners with branch and digital channels, structures credit‑appropriate solutions, gathers complete applications/disclosures, and coordinates with underwriting, appraisal, title, and closing to deliver a timely, compliant, and member‑centric experience.

Requirements

Associate’s degree in business, Finance, or a related field, or equivalent combination of education and experience.
In-depth understanding of home equity loan products and real estate lending practices.
Familiarity with credit union policies and procedures.
Knowledge of federal and state lending regulations, including fair lending and disclosure requirements.
3–5 years of experience in home equity loan/HELOC origination.
Proficiency in Microsoft Office applications, particularly Word and Excel.
Experience with loan origination systems and document preparation software.
Strong organizational and time management skills to handle multiple loans simultaneously.
Excellent written and verbal communication skills.
Analytical and problem-solving skills, including basic math proficiency.

Nice To Haves

Experience working in a credit union or financial institution preferred.
Background in customer service or member support roles is a plus.

Responsibilities

Generate applications via branch partnerships, outbound calling, digital leads, community outreach, and COIs (realtors, builders, financial advisors).
Maintain a disciplined pipeline; prioritize files to meet cycle‑time and funding goals.
Conduct needs assessments; explain home equity loans vs. HELOCs (rates, terms, draw periods, repayment features, fees).
Provide accurate payment estimates; set clear expectations on timelines and documentation.
Take and submit complete applications; collect income/asset/occupancy documents; order credit; verify title and lien position.
Ensure accurate data entry in LOS (e.g., Encompass/Empower) and CRM; issue required disclosures within TRID timelines.
Structure loans consistent with policy (LTV/CLTV, DTI, collateral, pricing).
Coordinate appraisal/AVM, title, flood, insurance; clear conditions; schedule closing and review final terms.
Adhere to SAFE Act/NMLS, ECOA/Reg B, TILA/Reg Z, RESPA/TRID, HMDA, FCRA, Fair Lending, BSA/AML/KYC.
Protect NPPI and follow all information security protocols.
Collaborate with underwriting, processing, closing, servicing, and branches to remove bottlenecks and improve member experience.
Provide feedback to product/pricing teams on market trends and competitive positioning.
Deliver proactive status updates; resolve escalations; drive high satisfaction (NPS/CSAT).
Identify opportunities to deepen relationships (e.g., checking, credit cards, digital banking adoption).