Consumer Direct Loan Originator

Responsibilities

• Originate real estate loans in accordance with Federal guidelines and established lending objectives, policies and procedures.
• Establish and maintain positive relationships with existing and potential customers.
• Contact bank provided leads within a timely manner and as directed by supervisor, and also promotes and develops relationships with referral sources such as realtors, builders, attorneys, and other affinity groups to generate additional mortgage leads.
• Interview applicants and request appropriate credit documentation and specified information for loan application.
• Analyze applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
• Compile upfront compliance information and assure timeline requirements are met.
• Answer applicant questions.
• Correspond with applicant to resolve questions regarding application information.
• MATCH applicant's needs and qualifications with potential loan programs.
• Ensure loan meets selected program guidelines.
• Submit loan package to Processor for processing in a timely manner.
• Work closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
• Inform applicants of loan approval, denial or outstanding conditions.
• Handle correspondence with applicant in regards to locking of loan and handles actual locking process in accordance with current company procedures and requirements.
• Provide excellent customer service and solve customer related problems quickly.
• Maintain and enhance market awareness including economic information, housing data and competitive trends; based on this information, helps develop programs or recommends product enhancement to address customer needs.
• Maintain and enhance personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
• Establish and maintain positive working relationships with Realtors, Business Partners and any other potential business sources.
• Support and cultivate bank referrals and relationships.
• Communicate with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image.
• Perform other duties when assigned.

Qualifications

• Strong communication skills.
• Ability to meet deadlines and manage multiple tasks.
• Knowledge of real estate lending practices and regulations.
• Experience in loan origination and underwriting.
• Proficiency in using loan origination software.
• Excellent interpersonal and problem-solving skills.