Signing Bonus* - Mortgage Loan Originator

About the role

The Mortgage Loan Originator originates first mortgage loans and home improvement loans for consumers.

Responsibilities

• Originates one-to-four family residential loans by talking with customers and contacting realtors, builders, etc.; engages in sales efforts at the customer’s home or place of business and away from the bank’s place of business or any office maintained for loan production business purposes.
• Responds to customer/contact inquiries regarding the association's loan products and customer's applications.
• Keeps up-to-date on government regulations and the association's policies and procedures regarding lending; participates in quarterly compliance training on banking regulations for industry.
• Promotes the association's Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods.
• Projects a positive image of the association and makes sales contacts by participating in community activities, organizations, and business-related functions.
• Cross-sells and keeps up-to-date on the association's entire product line including both lending and savings products.
• Knows, understands, and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
• Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback, and holds accountable.
• Other duties as required.

Requirements

• Experience in sales is required.
• Experience in customer service is required.
• Experience in mortgage lending along with lending laws, regulations, & guidelines is preferred.
• Experience in commissioned sales is preferred.
• Experience in financial services or banking is preferred.
• Proficiency in MS Office (Outlook, Excel, Word) or similar software is required.
• Proficiency in Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred.
• Proficiency in CRM software is preferred.

Qualifications

• Education: High School Diploma or equivalent is required; Bachelor’s degree is preferred.
• Certification: NMLS is/will be required.
• Years of experience: 3 to 5 years is required.

Necessary Competencies

• Adaptability
• Communication skills
• Customer service
• Interpersonal skills
• Job knowledge
• Judgment
• Leadership
• Planning and organization
• Staff development
• Technical Expertise

Physical Environment

• While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear, and speak.
• The employee must occasionally lift and/or move up to 25 pounds.
• The noise level in the work environment is usually quiet to moderate.
• This position is customarily and regularly performed outside of an office setting and hours of work are not structured.