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.

Responsibilities

• Focus on the sales and origination of 1-4 single-family residential loans within predetermined guidelines and rates set forth by the Bank and its investors.
• Analyze potential borrowers’ income, assets, and liabilities to identify appropriate mortgage programs and successfully pre-qualify them for financing.
• Follow up with applicants throughout the lending process to secure necessary information for processing, underwriting, and closing the loan.
• Consistently achieve volume and/or unit production targets and cross-sell bank products where applicable.
• Project a positive attitude, act with integrity, and deliver “best-in-class” customer service aligned with German American’s core values.
• Maintain and expand industry knowledge, complying with pertinent state and federal laws, regulations, and the company’s compliance policy, including the Bank Secrecy Act (BSA).

Requirements

• NMLS State License or Federal NMLS Registration (or willingness and ability to obtain).
• 1+ years’ experience in real estate, mortgage, or sales equivalent.

Skills

• Entrepreneurial and business development/sales.
• Needs analysis—analyzing customer income, debts, and financial information.
• Strong verbal, written, and interpersonal communication skills.
• Knowledge of Conventional, VA, USDA, FHA, FNMA, and Portfolio underwriting guidelines.
• Understanding of mortgage compliance regulations and business acumen related to bank mortgage products, policies, and procedures.

Qualifications

Bilingual/multilingual is a plus.

Benefits

• Medical, dental, vision, short-term disability (STD), long-term disability (LTD), and life insurance.
• 17 days paid time off, 11 paid holidays, and bereavement leave.
• Education Assistance Program.
• Paid Parental Bonding Leave.
• Wellness benefits and life event coverage.
• Service awards.
• Financial benefits including 401(k) match, stock purchase plan, and more.
• Discounts on national and local purchases, including computers, vacations, phones, and retail shopping.
• Logo wear discounts.
• Free checking account, checks, and discounted bank services.

Location

This position will be located at 1854 Midland Trail, PO Box 189, Shelbyville, Kentucky, 40065, United States.

About Us

German American Bancorp and its family of financial services companies employ talented, compassionate people throughout the organization, making German American special. We deliver genuine, customized, personal service with a focus on truly serving customers and communities well. Our employees bring the Shield of Excellence commitment to life with each and every interaction.