Mortgage Loan Originator

Responsibilities

• Interviews applicants and requests appropriate credit documentation and specified information for loan application.
• Analyzes applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
• Compiles upfront compliance information and assures timeline requirements are met.
• Answers applicant questions
• Corresponds with applicant to resolve questions regarding application information.
• Matches Applicant's Needs And Qualifications With Potential Loan Programs.
• Ensures loan meets selected program guidelines.
• SUBMIT LOAN PACKAGE TO PROCESSOR FOR PROCESSING IN A TIMELY MANNER.
• WORKS CLOSER 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.
• HANDLES CORRESPONDENCE WITH APPLICANT IN REGARDS TO LOCKING OF LOAN AND HANDLES ACTUAL LOCKING PROCESS IN ACCORDANCE WITH CURRENT COMPANY PROCEDURES AND REQUIREMENTS.
• PROMOTES EXCELLENT CUSTOMER SERVICE AND SOLVES CUSTOMER RELATED PROBLEMS QUICKLY.
• Maintains and enhances 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.
• Maintains and enhances personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
• ESTABLISHES AND MAINTAINS POSITIVE WORKING RELATIONSHIPS WITH REALTORS, BUSINESS PARTNERS AND ANY OTHER POTENTIAL BUSINESS SOURCES.
• SUPPORTS AND CULTIVATES BANK REFERRALS AND RELATIONSHIPS.
• COMMUNICATES WITH ALL MORTGAGE OPERATIONS STAFF, ALONG WITH OTHERS IN THE BANK, BY ALWAYS PROJECTING A POSITIVE, PROFESSIONAL IMAGE.
• PERFORMS OTHER DUTIES WHEN ASSIGNED.

Qualifications

• Strong communication skills
• Ability to work independently and manage multiple tasks
• Knowledge of loan processing and underwriting procedures
• Understanding of financial analysis and credit evaluation
• Proficient in Microsoft Office Suite
• Excellent problem-solving and decision-making abilities