Loan Originator

About the role

Responsible for making sales calls on realtors, builders, and other pertinent parties for the purpose of soliciting mortgage loans, developing banking relationships, and cross-selling services. Interviews loan applicants to document income, debt, credit history, employment, and general information. Requests and reviews documents necessary to properly process an application. Determines if applicants meet established standards or what additional information might be necessary for further consideration. Analyzes financial information, including tax returns. Informs applicants of all costs and closing fees associated with the loan request. Submits completed loan applications and all supporting documents to loan processing to begin processing of the loan. Calls applicants to resolve discrepancies such as derogatory credit, unlisted debt, or any other issue. Informs loan applicants of loan approval or denial. Participates in all scheduled meetings deemed necessary by management. Communicates openly and honestly with all bank associates, including management and clients and potential clients. Meets production goals on a monthly basis. Attends loan closings. Understands and adheres to all bank and government regulations, rules, policies, and procedures, including but not limited to operations and compliance. Represents the bank in community activities including business, charitable, civic, and social to develop and maintain client contact and referral relationships. Engages in personal development activities such as BAI courses and internal/external training to assist in growing in career.

Responsibilities

• Makes sales calls on realtors, builders, and other pertinent parties for the purpose of soliciting mortgage loans, developing banking relationships, and cross-selling services.
• Interviews loan applicants to document income, debt, credit history, employment, and general information.
• Requests and reviews documents necessary to properly process an application.
• Determines if applicants meet established standards or what additional information might be necessary for further consideration.
• Analyzes financial information, including tax returns.
• Informs applicants of all costs and closing fees associated with the loan request.
• SUBMIT COMPLETED LOAN APPLICATIONS AND ALL SUPPORTING DOCUMENTS TO LOAN PROCESSING TO BEGIN PROCESSING OF THE LOAN.
• Calls applicants to resolve discrepancies such as derogatory credit, unlisted debt, or any other issue.
• Informs loan applicants of loan approval or denial.
• Participates in all scheduled meetings deemed necessary by management.
• Communicates openly and honestly with all bank associates, including management and clients and potential clients.
• MET PRODUCTION GOALS ON A MONTHLY BASIS.
• ATTENDS LOAN CLOSINGS.
• Understands and adheres to all bank and government regulations, rules, policies, and procedures, including but not limited to operations and compliance.
• REPRESENTS THE BANK IN COMMUNITY ACTIVITIES INCLUDING BUSINESS, CHARITABLE, CIVIC, AND SOCIAL TO DEVELOP AND MAINTAIN CLIENT CONTACT AND REFERRAL RELATIONSHIPS.
• ENGAGES IN PERSONAL DEVELOPMENT ACTIVITIES SUCH AS BAI COURSES AND INTERNAL/EXTERNAL TRAINING TO ASSIST IN GROWING IN CAREER.

Requirements

• Computer knowledge in a Windows environment and working with a mouse.
• Basic computer knowledge in Microsoft Word and Excel.
• Ability to review and understand a variety of resources and information, including financial related information.
• Proofread and verify written materials.
• Read and process written and numerical information.
• Operate a computer keyboard and adding machine.
• Read alpha and numeric information on a computer monitor screen.
• Ability to work independently and in a team environment.

Qualifications

• Bachelor’s degree in a business related field.
• 3 years commissioned lending experience.

Skills

• Excellent communication skills.
• Ability to work independently and in a team environment.
• Strong analytical and problem-solving skills.
• Knowledge of financial regulations and compliance.

Benefits

• Access to our Marathon Health Clinics which provide FREE visits & prescriptions.
• Generous Paid Time Off benefit.
• Tuition Reimbursement.
• 401K match.
• Associate Stock Ownership Plan.
• Daycare Reimbursement.
• FREE Onsite Fitness Center/Fitness Reimbursements.
• Health and Wellness Programs.
• The ability to have a voice with our Diversity/Equity/Inclusion Council.
• Career Growth.
• Work/Life Balance.
• AND MORE.

Pay

Starting Pay Rate is Based on Experience - Minimum Hourly Rate: $12.28

Schedule

Department hours are Monday-Friday from 8:00-5:00, but having the flexibility to meet the schedule needs of your clients is crucial for this role.

Disability Accommodation Statement

Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. If you need an accommodation due to a disability to use our online system to apply for a position at Centier Bank, please call us at 219-755-6160 or send us an email at hrcareers@centier.com. Equal Opportunity Employer/Disability/Veteran Centier Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. Member FDIC