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Form of workJob Description
Have you wondered what it is like to work for an organization voted for one of the Top Workplaces in Hampton Roads nine years in a row? Well, we just received our ninth-year award! At Old Point, we believe that when people feel valued, respected, and included they will be more successful. This belief is a critical component to our continued success. We are committed to an equitable and inclusive environment that promotes and values diversity and reflects the communities to which we are dedicated.
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 assigned.
- Ability to work independently.
- Demonstrated sales ability.
- 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.).
- Thorough knowledge of residential lending processes, products, and programs (Conv/FHA/VA).
- Excellent organizational skills with the ability to manage multiple projects.
- Excellent interpersonal skills.
- Maintain registration with the federal registry system (NMLS) and maintain a status in good standing under the SAFE Act requirements, which includes maintaining the unique identifier number if acting as an (MLO).
- Strong written and oral communication skills and ability to distill and convey information in a compelling manner.
Education/Experience:
- High School Diploma or GED with a minimum 2-4 years residential Real Estate lending experience.
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
