Mortgage Loan Originator
About the role
As a Mortgage Loan Originator, you will collect and analyze the customer’s financial profile and, acting as a trusted advisor, identify an appropriate mortgage product—as well as other products and services—to meet their financial needs. You will also investigate and develop opportunities to attract new customers, actively cultivating relationships with referral partners such as realtors, builders, bank colleagues, attorneys, former clients, CPAs, and others within your sphere of influence.
Your focus will be the sales and origination of 1-4 single-family residential loans within predetermined guidelines and rates set forth by the Bank and its investors. Working with potential borrowers, you will analyze their income, assets, and liabilities to identify appropriate mortgage programs and successfully pre-qualify them for financing. Throughout the lending process, you will follow up with applicants and secure the necessary information to process, underwrite, and close the loan. You will strive to consistently achieve volume and/or unit production targets and cross-sell bank products where applicable.
Aligned with German American’s core values, you project a positive attitude and act with integrity at all times, delivering “best-in-class” customer service.
Responsibilities
- Analyze customer financial profiles to determine suitable mortgage products and services
- Develop and nurture relationships with referral partners (realtors, builders, attorneys, CPAs, etc.)
- Originate 1-4 single-family residential loans within bank and investor guidelines
- Evaluate borrowers’ income, assets, and liabilities to pre-qualify them for financing
- Follow up with applicants to gather required documentation for loan processing, underwriting, and closing
- Meet or exceed volume and unit production targets
- Cross-sell additional bank products and services
- Maintain a positive attitude, act with integrity, and deliver exceptional customer service
Requirements
- NMLS State License or Federal NMLS Registration (or willingness and ability to obtain)
- 1+ years’ experience in real estate, mortgage, or sales equivalent
- Entrepreneurial and business development/sales skills
- Ability to analyze customer financial information (income, debts, etc.)
- Strong verbal, written, and interpersonal communication skills
- Knowledge of Conventional, VA, USDA, FHA, FNMA, and Portfolio underwriting guidelines
- Understanding of mortgage compliance regulations
- Business acumen and judgment regarding bank mortgage products, policies, and procedures
Qualifications
- Bilingual/multilingual (preferred)
Benefits
- Medical, dental, and vision insurance
- Short-term and long-term disability insurance
- Life insurance
- 17 days paid time off, 11 paid holidays, and bereavement leave
- Education Assistance Program
- Paid Parental Bonding Leave
- Wellness benefits
- Life event coverage
- Service awards
- 401(k) match and stock purchase plan
- Employee discounts on national and local products (computers, vacations, phones, retail shopping, etc.)
- Logo wear discounts
- Free checking account, checks, and discounted bank services
Location
This position will be located at 21 SE 3rd Street, Evansville, Indiana, 47708, United States.
About Us
German American Bancorp and its family of financial services companies employ talented, compassionate people throughout the organization, truly making German American special. We deliver genuine, customized, personal service with a focus on serving customers and communities well. Our employees bring the Shield of Excellence commitment to life with each and every interaction.