Mortgage Loan Originator

Summary of Duties: The Loan Originator position requires maintaining minimum production standards, progressing towards exceeding those minimums.

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Essential Duties:

• Engage in selling loan products outside the office more than 50% of the time.
• Submit Loans, working efficiently with borrower, branch and corporate office
• Maintain comprehensive working knowledge of:
  • Current Rates and Products
  • Company Policy and Procedure
  • Regulatory Compliance Requirements
  • Company provided tools
  • FHA / Conventional/VA process
• Maintain State Licensing; continuing education required
• Effectively use all marketing channels available
• Cultivate and maintain relationships with Real Estate professionals
• Communicate effectively with all parties involved, including, but not limited to:
  • Branch Manager
  • Operations Manager and Dept.
  • Underwriting Coordinator
  • Borrower
• Present a professional image and demeanor both within the company and externally
• Maintain necessary knowledge to successfully perform job responsibilities
• Conduct business in accordance with iServe’s/NAD’s core values of honesty; integrity, and transparency
• Act as a role model/leader in achieving organizational results.
• Seek innovative alternatives to performing assigned duties.
• Ability to work effectively, independently, as well as with team members to achieve department growth.
• Facilitate an effective and respectful work environment.
• Strive to exceed internal and external customers’ expectations.

Other Duties:

• Performs other duties as assigned.

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Qualifications (Education, Experience, and Skills):

• Some college course work in business or finance preferred
• NMLS License specific to state of employment
• Minimum of two years job related experience
• Residential mortgage banking knowledge and experience in negotiations or sales is required
• Basic knowledge of PCs and related Microsoft office application
• Self-motivated with strong desire to succeed
• Strong sales ability and drive
• Detail oriented with ability to multi task
• Strong interpersonal & written communication skills
• Strong team oriented atmosphere
• Professionalism and integrity are essential
• Ability to read and interpret mortgage documents, real estate sales contracts, valuation forms and attorney correspondence, and company policies and procedures
• Basic mathematical skills
• Strong ability to apply common sense understanding to carry out instructions furnished in written or oral form
• Ability to problem solve under a variety of situations and circumstances

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Fair Lending Responsibilities:

The Company is committed to fair lending principles and compliance with fair lending laws. Associates will exercise consistency, equal treatment and fairness toward all consumers during the performance of their jobs. Each Associate is held accountable for adherence to fair lending laws and principles in the performance of their job responsibilities. In the event that fair lending deficiencies are observed or noted in the Associate’s job performance, that Associate is subject to disciplinary actions and/or additional training to correct the deficiency.

Working Conditions:

General office equipment with climate control. The noise level in the work environment is moderate.

Physical Requirements:

Primary functions require the physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. Ability to lift up to ten (10) pounds. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.