Mortgage Originator | Preston Center/Dallas

About the role

The Mortgage Originator is responsible for developing new business and originating quality mortgage loans in accordance with established Bank policies and procedures. This position serves as a representative of the Bank and works with internal lines of business to cross-sell other products and services and deepen relationships.

Responsibilities

• Consult with Bank customers and non-customers regarding borrowing needs, negotiate terms and conditions, assist in preparing mortgage loan applications, and obtain all necessary documentation from applicants.
• Make verbal and written commitments on behalf of the Bank, including rate terms, pre-qualification, and mortgage commitments.
• Complete each loan application and oversee all pre-processing functions in a timely manner to ensure required disclosures are provided within the requested time period.
• Analyze financial and credit information necessary to effectively underwrite loans and recommend approval or rejection of mortgage loans within lending authority.
• Engage in outside opportunities such as calls, open houses, seminars, and realtor functions to develop and maintain relationships with realtors, home builders, individual contacts, and other referral sources.
• Identify customers’ and non-customers’ other financial needs and cross-sell other bank products and services.

Requirements

• Strong oral and written communication skills.
• Strong sales and customer service skills.
• Cross-selling and closing skills.
• Knowledge of lending regulations, Bank underwriting guidelines, and lending policies.
• Understanding of loan types, products, services, and documents.
• Ability to analyze and interpret numerical data.
• Take initiative to maintain the flow of work.
• Perform duties under frequent time pressures.

Education and Experience

• Requires a High School diploma.
• Previous related mortgage lending or operations experience is preferred.
• Previous sales experience is preferred.
• Pursuant to the Secure and Fair Enforcement for Mortgage Licensing Act (“SAFE Act”), all Mortgage Originators are required to maintain current registration with the Nationwide Mortgage Licensing System & Registry (“NMLS”). If such registration is not active as of the hire date, the Mortgage Originator must immediately attain active registration upon employment. Mortgage Originators who fail to maintain an active and current registration will be unable to originate mortgage loans and may be subject to disciplinary action, up to and including termination of employment.
• Requires knowledge of Microsoft Office.

Pay

The salary offered is based on factors including, but not limited to, job duties, required qualifications, relevant experience, and local market trends. The role may be eligible for bonus or incentives based on company and individual performance.

Base Pay Range: $53,000 - $67,000 annually

Benefits

• 401(k) match
• Profit sharing
• Employee stock purchase plan
• Paid time off
• Medical, dental, and vision insurance
• Company-paid life insurance and long-term disability
• Supplemental voluntary life insurance
• Short-term and long-term disability
• Wellness incentives
• Employee assistance program
• Pre-tax health savings accounts and flexible spending accounts