Mortgage Lending Professional

Job Summary

Originates permanent FHA/VA and conventional residential mortgage loans and participates in related business development activities. Solicits residential mortgages through contacts with Realtors, builders, and developers. Provides fee income through mortgage loan originations. Develops and maintains banking relationships with residential mortgage customers. Markets bank products to existing and prospective bank customers. Promotes an environment of teamwork within the department and across the bank. Represents INTRUST Bank in all they do in the community and is focused on the development of new business relationships.

Essential Functions

• Interview applicants to assimilate financial information concerning their personal needs.
• Provide applicant with initial required disclosures and re-disclosures in the correct timeframe mandated by regulations.
• Obtain and analyze proper financial and credit data to determine applicant’s capacity to repay.
• Provide applicant with initial pre-qualification letter.
• Credits checks and negotiates terms and conditions of loan.
• Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers.
• Keeps informed of trends and developments in the local real estate markets, as well as the changing rules and regulations pertaining to both private and government-insured mortgages.
• Stays informed of loan programs and interest rates.
• Attends mortgage loan closings.
• Reviews pipeline to ensure that customer closing expectations are met and that expired, canceled, denied, or withdrawn files have the appropriate action taken in a timely manner.

Education and Experience

• Bachelor’s degree in Business, Finance, or Accounting.
• Minimum of 5 years Residential Real Estate Origination experience.

Required Skills and Knowledge

• Demonstrated understanding of mortgage processing, underwriting and closing procedures.
• Knowledge of conventional and government lending guidelines.
• Understanding of Federal Regulations governing Real Estate Lending.

Required Licenses and/or Certifications

• Nationwide Mortgage Lending System (NMLS) Registered or ability to meet qualifications for registration.