Mortgage Loan Originator

PURPOSE:
Solicits new business and expands the business of current customers by selling the Bank’s mortgage financing capability. Develops relationships with attorneys, developers and real estate brokers to generate new mortgage business. Handles complex mortgages that involve significant sums of money
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ESSENTIAL DUTIES AND RESPONSIBILITIES:
• Ability to inform, educate and influence team members to support corporate goals.
• Completion of loan applications in compliance with Federal Fair Lending Laws as well as secondary and Bank Five lending guidelines, collects appraisal fees and borrower documentation.
• Establishing a customer and referral base for the purpose of originating residential Mortgage Loans and maintains records for the same.
• Maintains a working relationship with Realtors, Attorneys Builders etc.
• Communicates to Realtors and applicants the Banks loan products and programs as well as recommending products for the same.
• Resolves problems as they arrive during the application process.
• Follows Bank procedures in following the banks requirements of documenting and submitting loans in a timely manner and in accordance with TRID guidelines.
• Arranges work schedule to accommodate borrowers needs which may include evening and weekend appointments.
• Attends outside functions to increase business development (i.e. Realtor Meetings, Home Shows, Open Housing, Homebuyer Seminars etc.).
• Participates in local community and civic organizations on behalf of the Bank in order to foster a positive image in the community it serves.
• Attends sales meetings as required.
• Assists with the implementation and communication of new programs and guideline changes.
• Accountable for production goals as set by management.
• Pricing and locking loans per Bank procedures.
• Review of production reports as it relates to performance dates, rate lock dates and borrower needs.
• Weekly pipeline meetings with their assigned processor.
QUALIFICATIONS:
• Previous mortgage lending experience with portfolio
• Ability to communicate both orally and in writing to explain detailed lending concepts to a diverse customer base
• Experience with Encompass preferred
• Must have and maintain, or be eligible for NMLS registration
• Working knowledge of a wide range of lending procedures and products
• High school diploma or equivalent required, college degree preferred
• Must have a valid driver’s license and good driving record
• Basic knowledge of Microsoft Officer and Loan Origination software
EFFORT:
• Able to meet strict deadlines.
• Work includes changing priorities for multiple, simultaneous projects
• Position frequently moves from sitting to standing to walking.
• Essential to follow written and verbal directions. This role routinely uses standard office equipment such as computers, photocopiers, and scanners.
• Use of hands and fingers to handle/ operate a computer and other office machinery such as a calculator, copy machine, scanner, computer printer,
• Frequently communicates verbally using telephone to exchange information.
• Specific vision abilities required by this job include: close vision, distance visions, ability to adjust focus.
• Regular travel between main office and branches, and to customer appointments on a daily basis
• Position requires a valid driver’s license and good driving record
WORK ENVIRONMENT: Position involves work outside of the Bank although some work is completed in Banking offices when completing paperwork or meeting with customers; high noise levels and frequent distractions from coworkers should be expected