Mortgage Loan Originator

ESSENTIAL DUTIES AND RESPONSIBILITIES

• 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 transmit 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.

QUALIFICATIONS

• To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily.
• The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

• Broad knowledge of such fields as accounting, marketing, business administration, finance, etc.
• Equivalent to a four year college degree, plus 4 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

• Ability to read, analyze, and understand general business/company related articles and professional journals.
• Ability to speak effectively before groups of customers or employees.

MATHEMATICAL SKILLS

• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

Critical Thinking Skills

• Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

Required Certificates, Licenses, Registrations

• This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS).
• The NMLS web site provides the MU4R questions and registration required for employment in this position.

PREFERRED Certificates, Licenses, Registrations

• Not indicated.

Software Skills Required

• Intermediate: 10-Key, Accounting

Working Conditions

• Somewhat disagreeable working conditions.
• Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

Environmental Conditions

• The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Semi-repetitive, low phy ical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
• Around semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
• While performing the functions of this job, the employee is frequently required to sit; and occasionally required to stand, walk, stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision; depth perception; and ability to adjust focus.

Additional Information

• Not indicated.