Mortgage Loan Originator

Essential Functions

• Performs all tasks and duties required to originate residential loans: guides applicants through the mortgage lending process. Tasks and duties include but are not limited to pre-qualifying applicants, calculating and quoting brokered loan rates, working with processors, underwriter, and closer to obtain all required documentation, keeping all parties apprised status of loan requests.
• Establishes and maintains a network of realtors, builders, bank partners, and other centers of influence lending programs.
• Continuously identify, develop and maintain a quality of network relationships that will serve as a recurring source of referral opportunities.
• Responds to and resolves internal and external customer inquiries.
• Monitors changes in loan programs offered by the bank and its investors.
• Attends workshops, seminars, and meetings as required.
• Conducts training for potential applicants as requested by realtors.
• Adheres to SAFE Act requirements when acting as a Mortgage Loan (MLO).
• Performs all work in compliance with applicable regulations/policies and procedures.
• Accountable for the understanding of and adherence to operational controls, policies, procedures and processes to ensure compliance with bank policies and related laws and regulations.
• Performs other duties as required or assigned which are reasonably within the scope of the duties in this job classification.

Position Requirements (Knowledge/Skills/Abilities

• Demonstrated understanding of mortgage processing, underwriting and closing procedures.
• Knowledge and understanding of lending basics and terminology (loan to values, debt ratios, rules and regulations, etc.).
• Demonstrated understanding of mortgage processing, underwriting and closing procedures.
• Basic level knowledge of MS Office with the ability to learn other job specific software applications
• Strong written and oral communication skills and ability to distill and convey information in a compelling manner.
• Skill in adopting technological advancements and facilitating into current and future responsibilities
• Ability to anticipate, monitor, and meet the needs of customers (internal and external) and respond in an appropriate manner.
• Ability to work collaboratively, communicate effectively and have positive relationships with customers (internal and external).
• Ability to communicate with internal and external constituencies in a persuasive and professional manner, including articulating the bank’s message while establishing cooperative working relationships with a diverse array of individuals contacted in the course of the performance of assigned duties.
• The overall ability to set, pursue, and attain achievable goals, regardless of obstacles or circumstances.
• Possesses the drive to work towards a standard of excellence.

Education/Experience:

• High School Diploma or GED.
• Minimum of 2-4 years of residential Real Estate lending experience preferred.
• Registration with NMLS or ability to become registered within two weeks of employment.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit, use hands to finger, handle, or feel and talk or hear and occasionally required to stand, walk, reach with hands and arms and stoop, kneel, crouch, or crawl. Specific vision requirements for the job include close vision (at 20 inches or less) and the ability to recognize colors.

Working Conditions

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The work environment is typically indoors and in an office setting. The noise level within the work environment is typically moderate.

The specific statements shown in each section of this position description are not intended to be all-inclusive. They represent typical elements and criteria necessary to successfully perform the job.

Benefits

• Generous Paid PTO
• 11 Paid Holidays
• Medical, Dental and Vision
• Health Savings Account with Company Match
• Flexible Spending Account
• Free Short-term and Long-term Disability
• Employee Assistance Program
• Free Life Insurance
• 401K with Company Match
• Company Stock Purchase