Mortgage Development & Originator (44)

Mortgage Development & Originator

Solicits residential mortgages through contacts with realtors, builders, and developers. Develops referral relationships with community development organizations and participates in community development activities. Interviews loan applicants and makes credit decisions.

Essential duties and responsibilities include:

• Work with assigned branch office to ensure awareness of home loan products.
• Handle referrals from branch office and provide appropriate follow-up.
• Develop referral contacts (realtors, builders, professional and personal contacts).
• Analyze financial data to determine creditworthiness.
• Maintain knowledge of available loan products, processing procedures, and underwriting guidelines.
• Take borrower applications.
• Utilize communication and access of daily rates, credit reports, and DU responses and transmitting to processor.
• Collect appropriate documentation from each applicant and deliver loan package to processor in a timely manner.
• Maintain high levels of customer service while managing each applicant's and support staff's expectations.
• Attend and participate in all lending meetings as required.
• Complete BSA/AML training and other compliance training as necessary.
• Develop referral contacts with community development organizations.
• Attend community development meetings to build and strengthen relationships.
• Represent bank at various civic, charitable, educational, and social affairs in order to develop and expand relationships.
• Makes presentations on financial education to groups to attract new business.
• Attend and participate in CRA development meetings and trainings as required.
• Perform any other related duties as required or assigned.

Qualifications include:

• Broad knowledge of fields such as accounting, marketing, business administration, finance, etc.
• Equivalent to a four-year college degree, plus four years related experience and/or training, and two years related management experience, or equivalent combination of education and experience.
• Ability to read, analyze, and understand general business/company related articles and professional journals.
• Ability to speak effectively before groups of customers or employees.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists.
• This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS).

The position may require the use of a vehicle to service customers, administer or participate in civic events, commute to company-owned properties, commute to company-related places of business, or any other purpose considered necessary to the job. Therefore, this position is classified as a safety sensitive position.

Equal opportunity employer/protected veterans/individuals with disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.