Mortgage Originator

Other jobs >> General

Negotiable

Permanent

Description

Duties/Responsibilities



- Consult with Bank customers and non-customers regarding borrowing needs,

negotiate terms and conditions, assist in preparing mortgage loan applications,

and obtain all necessary documentation from applicants.



- Make verbal and written commitment on behalf of the Bank which includes rate

terms, pre-qualification, mortgage commitment, etc.



- Complete each loan application and oversee all pre-processing functions in a

timely manner to permit the loan estimate and other required disclosures

to be provided to applicants within the requested time period.



- Analyze financial and credit information necessary to effectively underwrite loans,

and recommend approval or rejection of mortgage loans within lending authority.



- Oversee construction loan draws.



- Identify customers and non-customers other financial needs and cross-sell

other bank products and services.



Education



- Requires High School diploma.



- Requires 2 or more years of related mortgage lending or operations

experience.



- Previous sales experience is preferred.



- Pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE

Act), all Mortgage Originators are required to maintain current registration

with the Nationwide Mortgage Licensing System & Registry (NMLS). If such registration is not active as of the

hire date, the Mortgage Originator must immediately attain active registration

upon employment. Mortgage Originators

who fail to maintain an active and current registration will be unable to

originate mortgage loans and may be subject to disciplinary action, up to and

including termination of employment.



- Requires knowledge of Microsoft Office.



Qualifications



Knowledge of:



- Strong oral and written communication skills



- Strong sales and customer service skills



- Cross-selling and closing skills



- Lending regulations and Banks underwriting guidelines and lending policies



- Loan types and documents



Ability to:



- Analyze and interpret numerical data



- Take initiative to maintain the flow of work



- Perform duties under frequent time pressures



EOE of Minorities/Females/Vets/Disability
  • 1
  • Negotiable
  • None
  • None
  • Re-198902
  • Permanent
  • 0

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