Job Summary: At My Mortgage, Inc., we pride ourselves in our fairness and honesty and we truly care about every loan transaction and each client we serve. As a Mortgage Loan Originator, you will be responsible meeting with applicants, preparing loan proposals, and examining active loans. You will act as a liaison between applicants and our financial institution, as well as helping qualified applicants obtain loans. Job Responsibilities: - Assists potential borrowers with completion of initial loan applications; reviews submitted applications for accuracy and completion, requesting additional information or detail as needed.
- Verifies information and financial history provided; acquires borrowers' credit reports from major credit reporting bureau(s).
- Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan.
- Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval.
- Ensures loan agreements are completed according to policy; calculates and explains payment schedules.
- Explains different lending and credit options and bank products to potential and current clients.
- Maintains credit and lending records and files.
- Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses.
- Performs other related duties as assigned
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