Mortgage Loan Officer (Originator)

About the role

The starting pay rate is based on experience with a minimum hourly rate of $12.28. Recognizing and valuing diversity are core values that strengthen our ability to attract, retain, and engage associates.

Responsibilities

• Making sales calls on realtors, builders, and other relevant parties to solicit mortgage loans and cross-sell services.
• Interviewing loan applicants to document income, debt, credit history, employment, and other pertinent information.
• Requesting and reviewing necessary documents such as tax returns, W-2s, purchase agreements, and other required forms.
• Determining if applicants meet established standards or identifying additional information needed for further consideration.
• Analyzing financial information, including tax returns.
• Informing applicants of all costs and closing fees associated with the loan request.
• Submitting completed loan applications and supporting documents to loan processing for loan initiation.
• Contacting applicants to resolve discrepancies such as derogatory credit or unlisted debts.
• Informing loan applicants of loan approval or denial.
• Participating in all scheduled meetings as directed by management.
• Communicating openly and honestly with all bank associates, including management and clients.
• Maintaining production goals set by management on a monthly basis.
• Attending loan closings.
• Understanding and adhering to all bank and government regulations, rules, policies, and procedures, including operations and compliance.
• Representing the bank in community activities to develop and maintain client contact and referral relationships.
• Engaging in personal development activities such as BAI courses and internal/external training to support career growth.

Requirements

• Computer knowledge in a Windows environment and proficiency with a mouse.
• Basic computer skills in Microsoft Word and Excel.
• Ability to review and understand various resources and information, including financial data.
• Proofreading and verifying written materials.
• Reading and processing written and numerical information.
• Operating a computer keyboard and adding machine.
• Reading alpha and numeric information on a computer monitor screen.
• Working independently and collaboratively in a team environment.

Qualifications

• Bachelor’s degree in a business-related field.
• Three years of commissioned lending experience.

Skills

• Ability to analyze financial information.
• Proficiency in reviewing and understanding various resources and information.
• Strong communication skills, both written and verbal.
• Ability to work independently and in a team environment.

Benefits

• Access to Marathon Health Clinics with free visits and prescriptions.
• Generous paid time off benefit.
• Tuition reimbursement.
• 401(k) match.
• Associate stock ownership plan.
• Daycare reimbursement.
• Free onsite fitness center/fitness reimbursements.
• Health and wellness programs.
• The ability to participate in the Diversity/Equity/Inclusion Council.
• Career growth opportunities.
• Work/life balance.
• AND MORE!

Pay

The starting pay rate is based on experience with a minimum hourly rate of $12.28.

Schedule

Department hours are Monday through Friday from 8:00 AM to 5:00 PM, though flexibility to meet the schedule needs of clients is crucial for this role.