Mortgage Loan Originator

Position Summary

Qualifies and originates mortgage loan applicants. Initiates compliance process with applicable standards, policies and procedures. Conducts business development. Facilitates the loan closing process. Works online lead shifts as assigned.

Core Responsibilities

• Qualifies and originates loan applicants for mortgage loan products, including first mortgages, construction loans and home equity products.
• Obtains necessary and pertinent financial data; conducts analysis of such.
• Initiates loan process compliant with all applicable standards, policy and procedures.
• Builds relationships with Realtors, Builders, and other referral sources.
• Provides exceptional service to existing customers while cross-selling and referring to other departments.
• Facilitates the loan closing process.
• Works online lead shifts as assigned.

Secondary Responsibilities

• Maintains knowledge of all real estate products, underwriting procedures and the mortgage lending industry.
• Responsible for compliance with laws and regulations applicable to this position.
• Affords assistance to retail lending department in all aspects of retail lending by referring clients or completing transactions.
• Responsible for security as it applies to this position.
• Participates in all required BSA training and demonstrates knowledge of BSA relative to job responsibilities.

Bank Standards

• Mission: Help people succeed financially.
• Ethics: Always do the right thing.
• Solutions: Bring innovative solutions to challenges.
• Ownership: Take accountability and learn from our mistakes.
• Positivity: Bring energy and enthusiasm to everything we do.

Compensation & Benefits

• An annual salary of $60,000.
• Potential to boost earnings with no-cap commission structure.
• Comprehensive benefits package including paid time off, paid holidays, and paid volunteer days.
• Medical, dental, and vision insurance.
• 401(k) and ESOP retirement plans.

Requirements

• Meet NMLS requirements for MLO’s.
• 4-6 years’ experience in mortgage loan originations or a strong background in real estate.
• A 4-year degree or equivalent work experience.
• Excellent communication skills and a team-player who treats co-workers with the same respect and professionalism as we do our customers.
• Proficiency with MS Office.