Mortgage Loan Originator

Role and Responsibilities

• Actively participates in the bank's sales and business development program as follows:
• Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis;
• Achieves these objectives.
• Solicits, via in-person, off-site contact whenever possible, new business from both present and prospective customers;
• Maintains ongoing contacts with present customers in order to enhance cross-selling activities;
• Maintains detailed records of meetings with prospective or present customers.
• Serves as a member of the bank's sales team and works with other members of the sales/service team in striving to increase sales opportunities.
• Performs a variety of duties to develop new mortgage business including, but not limited to, the following:
• Develops relationships with customers, realtors, and community and civic organizations to generate new business.
• Locates and contacts prospective customers to present the bank's financial services and to ascertain banking needs.
• Develops financial plans based on type of loan services as required by customers.
• Spending time engaged in sales activities each week away from the Bank’s offices and away from any home office.
• Reports pertinent information to the immediate supervisor as requested, or according to an established schedule, i.e., reports weekly sales activities to the Residential Mortgage Manager;
• Compiles information as necessary or as directed;
• Provides sales information on a timely basis in order that this information may be included as part of monthly and year-to-date sales performance reports.
• Maintains a current knowledge of laws and regulations which impact mortgage banking services.
• Collaborates with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties.
• Responds to inquiries relating to his/her particular area, or to requests from customers, other bank personnel, etc., within given time frames and within established policy.
• Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.

Ancillary Duties

• May attend sales and trade meetings as the bank's representative to recommend new business and to gain information and leads on prospective accounts.