Job Summary
The position of Mortgage Loan Originator is primarily responsible for providing service to customers and prospective customers seeking Residential loans.
Role and Responsibilities
- Originating a high volume of mortgage loans ($12 million or more annually) and developing business contacts by soliciting outside contacts such as realtors, builders, attorneys, etc.
- Interviewing applicants and analyzing customers financial status and earnings to determine most appropriate mortgage loan program.
- Analyzing more complex personal, partnership, and corporate tax returns, including attached schedules.
- Making preliminary determination of applicants credit worthiness.
- Calling on key existing and prospective customers, realtors and builders to establish relationships for loan referrals.
- Providing advice and service to applicants requesting mortgage loan information.
- Representing the bank in the community and at real estate industry functions to identify, develop and promote additional business.
- Regular and predictable attendance.
Qualifications
- High school diploma or equivalent plus additional training equal to two years of college, or comparable work experience.
- 2+ years of residential lending experience.
- Bilingual preferred.
- Excellent interpersonal, written and verbal communication skills.
- Strong presentation skills and ability to conduct seminars for business development and outreach.
- Ability to interact with customers in a professional manner to provide exceptional customer service.
- Ability to effectively use applicable software.
- Familiarity with all of the banks products and services as well as basic Fannie Mae and Freddie Mac guidelines
Preferred Skills/Competencies
Maintains a working understanding of, and complies with, applicable banking regulations as well as internal policies and procedures.