Mortgage Loan Originator - Denton, TX

Position Summary

The Mortgage Loan Originator (MLO) will originate the loan products offered by the bank, including conventional residential mortgage and FHA/VA loans. The role requires a passion for serving the community, enabling homeownership dreams, and focusing on low-and-moderate income and minority communities. Strong interpersonal and customer service skills are essential.

Principal Duties and Responsibilities

• Interviews applicants and requests specific information for mortgage loan applications.
• Serves as the primary contact for all parties involved in individual loans from application to closing.
• Counsels and pre-qualifies potential home buyers, completes applications, obtains necessary support documents, and ensures compliance with regulatory requirements.
• Maintains loan status and ensures conformity with terms, obtaining loan documentation before closing.
• Aids in collecting additional documents and communicates loan status to all parties.
• Analyzes applicant financial status, credit, and property evaluations to determine loan feasibility.
• Works with underwriting to address questions and resolve mortgage-related issues.
• Sends loan packages to operations and assists with loan approvals.
• Coordinates loan processor activities and customer/borrower communications to ensure proper documentation and verification.
• Develops and maintains internal relationships to create cross-sell opportunities.
• Supports and promotes the bank's vision, mission, and core values.
• Works under high-pressure situations and a stressful atmosphere.
• Provides strong, compassionate leadership to foster positive attitudes and trust among employees, customers, and prospects.
• Complies with federal and state regulations and bank policies.

Other Responsibilities

• Supports and promotes the bank's vision, mission, and core values.
• Works within the bank's organizational structure and policies and procedures.
• Must have excellent analysis, observation, and decision-making skills.
• Must have excellent interpersonal and communication skills.
• Must be able to work under high pressure and in a stressful atmosphere.
• Must be able to provide strong, compassionate leadership.
• Must be able to establish credibility and make decisions while supporting the company's preferences and priorities.
• Must be physically present at the bank to perform job duties.

Qualifications, Education and Experience Requirements

• High School Diploma or GED equivalent with 1-3 years of residential real estate experience, preferably in a brokerage, lending, or underwriting capacity.
• Must possess an NMLS license or be in the process of obtaining one.
• Excellent verbal and written communication skills.
• Excellent analytic skills, attention to detail, and ability to work within time constraints.
• Excellent interpersonal skills to work effectively with others.
• Intermediate computer skills, including the ability to function in a Windows environment.
• Ability to be results-oriented with sound judgment.
• Ability to supervise and manage workflow of subordinate(s) through superior leadership skills.
• Ability to establish credibility and make decisions while supporting the company's preferences and priorities.
• Must be able to be physically present at the bank to perform job duties.