Mortgage Loan Originator Officer (Celina Or Richardson Branch)

Summary: The Mortgage Loan Officer must communicate effectively with all parties of the mortgage process. This includes but not limited to borrowers, referral partners, title companies, insurance agents, surveyors, underwriters, and everyone on the TRM team. Must take a DETAILED loan application to prequalify customers, work to obtain supporting documentation for the loan application, and assist processing to get the loan fully approved when necessary. Must be able to manage pipeline well, while also being able to input loans in the system. Must also have the compliance knowledge to stay within all compliance laws and regulations, and disposition loans in a timely manner. Be able to network to obtain new referral partners as well as retain current ones. Performs the following duties:

Duties and Responsibilities

• Prioritize work based on delivery expiration with investor and closing dates.
• Gathering Supporting documents for the loan application
• Review credit, fraud alerts, previous addresses, previous inquiries, and checks for Collections, Bankruptcies, or Judgements on the credit report. Collect supporting documentation if necessary
• Network to obtain new referral partners as well as retain current ones
• Disclose initial disclosures correctly, to avoid any compliance issues
• Speak to all parties in the process and update them on timelines and loan status
• Review income and asset documentation in detail to see what additional documentation is required
• Assist in obtaining and submitting supporting documentation to clear suspense conditions (internal and Investor) by deadline to minimize monetary penalties if called upon.
• Takes COMPLETE loan application and reviews with client to verify it's accuracy/validity

• Helps processing with documents and underwriting conditions when necessary

• Sets expectations with clients and referral partners
• Submits loans to register with correct investor and locks interest rate
• Communicates with underwriters/investors to see what specific documentation is needed to get a loan to closing
• Provide a positive experience to everyone who crosses into our bank, whether it be in person or by phone. Provide banking like it oughta be!
• Reviews income documentation to make sure loan is still good for initial submission
• Meeting loan application deadlines (disclosures/compliance/closing/funding)
• Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity. Comply with all state, federal, and company policies, procedures, and regulations.

• Demonstrate on a consistent basis individual and team behavior that supports the culture of the Bank.
• Perform other duties as required and assigned.

Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Time management and organization skills are essential, working independently in a very fast paced environment as each of the duties listed are necessary for multiple open files. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Knowledgeable with Bank Secrecy Act and Anti-Money Laundering Regulations, as applicable to job duties

• Excellent mathematical and statistical aptitude; demonstrate analytical mindset, cross-referencing, decision making and problem-solving skills.
• Demonstrated experience in working both independently and collaboratively.
• Strong professional oral and written communication skills; ability to interact with internal and external contacts at all levels of staff and management.
• Ability to effectively present findings and recommendations; recognizing when matters require escalation to management.
• Resourceful, detail oriented, methodical, and highly organized.
• Demonstrated time management skills.
• Demonstrated ability to work appropriately with confidential information.

Education/Experience
Associates degree in Finance or related field; 2+ years of experience in mortgage originating preferred but not required.