Mortgage Loan Originator

General Responsibilities

Responsible for performing various duties to promote the Bank’s mortgage loan products in order to attract new loan business and refinances; achieving established sales goals as established in the Bank’s business objectives; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the mortgage loan function; communicating with appropriate personnel; maintaining appropriate records and providing assigned reports.

Essential Duties

• Successful Completion of One Bank/One Team/One Brand Discipline.
  • Focuses on marketing and promotional strategies to attract new business.
  • Makes presentations to various audiences; educates borrowers on loan products and process.
  • Makes contact and aggressively promotes the Bank to real estate agents, builders, developers, financial planners/CPAs, attorneys, and other referral sources.
  • Participates in business development activities outside the office.
  • Develops a reputation as a trusted financial advisor to customers and contacts.
  • Maintains contact with customers throughout the entire loan process; maintains positive client relationships.
  • Attends mortgage closings or coordinates with branch representative or mortgage closer.
  • Primary resource for involved mortgage counseling.
  • Self-Sources Mortgage Leads through business development efforts and initiatives.
  • Origination through closing handling of mortgage customer.
  • Enhances mortgage customer’s banking relationships with checking and other banking products.
  • Conducts warm hand off for customers to branch.
  • Completes community based CRA visits.
• Ancillary Duties
  • Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Physical Requirements

• Regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms.
• At times required to stoop, kneel, bend, crouch and lift up to 25 pounds.
• This position requires regular use of a computer.

Requirements

• Education/Training: A Bachelor’s Degree in a related field normally required; specialized education/training related to mortgage sales.
• Skills: Must demonstrate strong communication skills; excellent interpersonal relations skills; proficient sales skills; proficient public speaking skills; thorough understanding of underwriting criteria and guidelines; extensive knowledge of current state and federal compliance regulations and secondary market guidelines.
• Experience: A minimum of five (5) years of mortgage/sales experience normally required.