What are the responsibilities and job description for the Mortgage Loan Originator position at Cypress HCM?
Location: Cleveland, OH
Employees: <100
Industry: Finance/Banking
Reports To: VP of Lending
Seeking a Mortgage Loan Originator that is responsible for originating and managing residential mortgage loans from initial consultation through closing. This role supports a range of products including Conventional, FHA, VA, construction loans, second mortgages, and HELOCs, while ensuring a high-quality member experience and full regulatory compliance.
Most Important Responsibilities
- Originate mortgage loans end-to-end, including prequalified, application intake documentation, and closing coordination.
- Advise members on loan options, rates, credit criteria, and documentation requirements.
- Ensure loan files are complete, accurate, compliant, and submitted within established timelines.
- Order and track third-party items such as credit reports, title work, appraisals, and verification documentation.
- Resolve common file issues (missing docs, underwriting conditions, credit/debt concerns, low appraisals).
- Communicate loan status consistently with borrowers, realtors, title companies, and internal stakeholders.
- Maintain compliance with key mortgage regulations (RESPA, TILA, HMDA, Fair Lending) and credit union lending standards.
- Generate loan volume through referrals and relationship-building with realtors, attorneys, accountants, and community partners.
- Support monthly reporting and maintaining accurate records throughout the process.
What you can bring to the table to impact this role, team, and organization:
- 1-3 years of mortgage origination and/or residential lending experience.
- Strong knowledge of first and second mortgages and familiarity with secondary market guidelines.
- Proven ability to manage multiple loans at once, prioritize deadlines, and maintain accuracy.
- Confident communicator able to explain loan terms clearly and professionally.
- Relationship-driven mindset with experience building referral networks and driving production goals.
- Comfortable working in mortgage/lending systems and standard office tools.
Compensation: Y1 base of $48,000 | Y1 OTE: $65,000 - $85,000
Salary : $65,000 - $85,000