Mortgage Originator

Qualifications

• Must be at least 18 years of age.
• High School Diploma or GED required.
• Bachelor's degree required, emphasis in business finance preferred.
• NMLS required.
• 2-3 years of Mortgage Originator experience highly preferred.
• Working knowledge of accounting practices used to analyze client finances and evaluate how financial conditions influence available options.
• Knowledge of real estate market in local area.
• Proficiency with Encompass, Outlook, Word, Excel, typing, 10-key, and utilization of the internet is required.
• Commitment to demonstrating First Security's Core 5 values with customers and coworkers.

Essential Duties and Responsibilities

• Generate profitable, high-quality residential mortgage loans by building and maintaining strong personal relationships with community members and clients.
• Analyze applicants' financial status and credit history to identify appropriate loan products, clearly explaining the advantages and disadvantages of available financial options.
• Serve as a liaison between borrowers and lenders, ensuring customers receive regular progress updates and remain informed throughout the origination, processing, appraisal, underwriting, and closing stages, in accordance with guidelines for both government-insured and privately insured mortgages.
• Calculate and explain loan payment structures, including loan amounts, interest rates, term lengths, amortization periods, and payment frequencies.
• Protect all customer information and bank operations through strict confidentiality.
• Operate computer software and equipment, telephone, scanner, and copier, and develop proficiency with internal banking systems.
• Maintain a valid driver's license, reliable transportation, punctual attendance, and the ability to work on-site with occasional extended hours when necessary.
• Perform additional duties as assigned by management.

Soft Skills

• Foster a culture that values high ethical conduct, critical thinking, problem-solving, engagement, teamwork, and provides exceptional service.
• Establish positive and productive work relationships that provide honest feedback that generates trust.

Physical Demands

• Possess sufficient mobility to work in a standard office setting.
• Perform repetitive hand, arm, wrist, and finger movements while handling currency, documents, and/or office equipment.
• Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing while occasionally stooping, kneeling, or crouching.
• The employee must have the ability to speak and hear well enough to carry on customer interactions, conversations, and presentations both in person and over telecommunications.
• Have near/far visual acuity to identify customers, currency, and reading materials in printed or electronic formats.
• The employee must occasionally lift and move up to 10 pounds.
• Able to hold a valid driver's license with access to a vehicle that can be used for business travel purposes.

Mental Demands

• The duties of this position require strong independent problem-solving skills to manage multiple projects and their accurate and timely completion.
• Able to interact with and lead others in a calm and patient manner; maintaining confidentiality and professionalism in all situations.
• Able to analyze information, evaluate options, and make sound judgements in a timely manner.
• Strong mathematical competency related to currency, including adding, subtracting, multiplying, and dividing whole numbers, fractions, and decimals.
• This position also requires the ability to read and interpret documents, draft instructions or presentations, and articulate complex information in written or oral form.