MORTGAGE LOAN ORIGINATOR

Description Employment Type:  Regular

Full/Part Time:  Full-time

Division:  Division Mortgage

Job Description:  GENERAL FUNCTION: Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals. Meets standards and objectives defined by management for mortgage loan sales and cross-selling objectives. Assumes overall responsibility for the residential mortgage loan from application to closing. DUTIES & RESPONSIBILITIES: * Develop referral contacts (realtors, builders, professional and personal contacts). * Maintain knowledge of Fifth Third Mortgage Company's policies and procedures. * Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines. * Follow defined protocol for escalation exceptions. * Take applicant applications by completing Fannie Mae form 1003 on the laptop. * Utilize the laptop for communication and access of daily rates, applicant credit reports, Loan Prospector responses and transmitting the loan to LOMAS. * Collect appropriate documentation from each applicant and deliver loan package in the time frames set by management. * Manage pipeline for all originated loans through closing and complete required management reports. * Communicate with branches and/or applicants of providing timely updates and progress reports. * Maintain high levels of customer service while managing each applicant's and support staff's expectations. * Attend and participate in all Consumer Lending meetings as required by management. SUPERVISORY RESPONSIBILITIES: None.

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Requirements MINIMUM KNOWLEDGE, SKILLS & ABILITIES REQUIRED: * High school diploma or equivalent mandatory. Four-year college degree preferred. * Knowledge of conventional and/or government lending guidelines. * Knowledge of residential mortgage processing, underwriting, and closing procedures. * Knowledge of federal lending regulations governing real estate lending. * Demonstrated organizational skills. * Strong written and verbal communications skills. * Demonstrated teamwork and customer service skills. * Proven computer skills. * Basic sales technique skills. * Strong desire to excel in a competitive environment.