Mortgage Loan Originator

About the role

Join our community bank as a Mortgage Loan Officer and become a vital part of a team dedicated to serving our local community with integrity and enthusiasm. In this role, you will originate residential mortgage and consumer loans, ensuring a smooth and positive experience for our customers. You will play a key role in building lasting relationships, developing referral networks, and maintaining a high-quality loan pipeline—all while adhering to all federal and state lending regulations.

Responsibilities

• Proactively develop business by partnering with key referral sources including local realtors, developers, construction companies, and other financial institutions.
• Conduct outbound prospecting activities, including calls, referrals, networking events, community involvement, and realtor outreach.
• Establish and maintain strong relationships with existing and potential real estate customers.
• Support and implement all marketing efforts related to Mortgage Banking and represent the bank in the community.
• Conduct borrower interviews and prequalification assessments to identify appropriate loan products and determine borrowing capacity.
• Receive and screen loan applications, request credit status, banking, and other references.
• Obtain and review required documentation including income verification, tax returns, bank statements, purchase contracts, title information, and appraisal-related documentation.
• Correspond with applicants or creditors to resolve questions regarding applications.
• Collect, analyze, and present borrower financial information for underwriting evaluation.
• Communicate loan status and decisions in accordance with bank policies and regulatory requirements.
• Ensure timely delivery of required disclosures and assist borrowers with understanding loan documents and closing requirements.
• Address customer concerns and take appropriate action to resolve them.
• Coordinate with processors, underwriters, appraisers, title companies, attorneys, and closing agents to facilitate efficient loan processing and timely closings.
• Maximize customer relationships by referring additional banking products across all banking services at each mortgage closing.
• Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
• Promote fair and responsible lending practices in accordance with Fair Lending, Equal Credit Opportunity Act (ECOA), and Fair Housing requirements.
• Ensure compliance with all applicable federal and state lending regulations, including but not limited to TRID, RESPA, TILA, ECOA, HMDA, Fair Housing Act, SAFE Act, Flood Insurance regulations, Anti-Money Laundering (AML), Bank Secrecy Act (BSA), and OFAC.
• Maintain educational and professional expertise through attendance at job-related seminars, conferences, and workshops, and involvement in professional, civic, and community groups.
• Conduct oneself in accordance with the Bank’s Core Values.

Requirements

• High School Diploma or equivalency, required.
• Bachelor’s degree or equivalent work experience, preferred.
• 5 years or more of loan origination experience, preferred.
• Register and maintain licensing with the NMLS.

Skills

• Excellent communication skills, verbal and written.
• Sales skills.
• Analytical and synthesis skills.
• Organizational skills.
• Decision-making and creative problem-solving skills.
• Ability to deal with customers with tact, diplomacy, and confidentiality.

Physical Requirements

• The ability to sit for lengthy periods of time.
• Frequent use of computer, calculator, and other office equipment.
• Travel to branch locations, including driving a vehicle.