Mortgage Loan Originator

About the Role

This position serves all customers by providing mortgage loan information, disclosing fees, and gathering data necessary to process mortgage requests.

Responsibilities

• Determine the best loan product for each customer.
• Devise marketing plans to seek referrals from agents and builders.
• Provide guidance for loan inquiries related to pricing, product information, documentation requirements, payments, closing costs, and qualifying requirements.
• Complete applications and gather documents as needed to meet the parameters of the loan type (e.g., FHA, VA, Conventional, portfolio).
• Develop referrals from internal and external sources.
• Maintain relationships with realtors by providing superior service.
• Originate and promote Trustmark’s Community Lending Loans and Products.
• Coordinate and assist the mortgage department in the origination and servicing of Community lending products and services.

Requirements

• Minimum of 2 years’ experience originating agency-eligible mortgage loans or equivalent experience in underwriting or processing of agency-eligible mortgage loan products.
• Eligible for NMLS certification.
• Thorough knowledge of government and conventional mortgage loan guidelines and requirements.
• Extensive knowledge of the qualifying variables between mortgage loan products.
• Ability to analyze all documentation to determine accuracy and acceptability for agency and portfolio requirements.
• Knowledge of appraisal standards and acceptability.
• Ability to produce tax return analysis as required by conforming loan guidelines.
• Must know how to fully disclose and handle all applications according to compliance regulations.
• Ability to work and identify with a varied group of borrowers, housing-related entities, and other community-based organizations.
• Working knowledge of financial compliance and regulatory requirements.

Skills

• Computer skills
• Interpersonal skills
• Sales skills
• Communication skills
• Analytical skills

Qualifications

Junior college or two-year college training preferred.

Physical Requirements / Working Conditions

Must be able to sit for long periods of time and use a computer keyboard and/or mouse while viewing computer screens.