Mortgage Loan Originator

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Evaluates current loans and new loan proposals considered under a variety of community development programs; specializing in loan programs designed for First‑time Home buyers and low to moderate income borrowers; coordinates all loan proposals with appropriate lending groups.

• Reviews and evaluates current loans to ensure compliance with terms; coordinates lending activities with others in the company.
• Recommends changes and improvements to management to enhance specialized lending programs for low to moderate income borrowers.
• Provides input to marketing and advertising programs to ensure market awareness of the products and services available to low to moderate income borrowers.
• Represents the company in community development/outreach functions such as Homebuyer training classes, buyer fairs, and related events; attends meetings sponsored by government and municipal entities that help low income and first‑time home buyers.
• Stays abreast of changes in federal and state banking regulations and implements changes in a timely fashion; specializes in Bond Programs, FHA loans, and down‑payment assistance programs for low to moderate income borrowers.
• Performs other related job duties and special projects as assigned.
• Complies with all applicable federal, state, and local banking and industry laws and regulations, including the Bank Secrecy Act.
• Maintains organizational integrity and business ethics, communicating the commitment to any applicable subordinates.
• Handles sensitive and confidential information, having access to cash and customer accounts as required.
• Builds and maintains relationships with Non‑Profit Housing groups, realtors, and community organizations supporting first‑time home buyers.
• Ensures timely implementation of underwriting policy, investor guidelines, and industry regulations in accordance with Hancock Whitney’s policies.
• Collects complete applications and required documentation (income tax returns, bank account numbers, purchase agreements, property descriptions, etc.) for verification.
• Delivers all compliance documents and disclosures promptly.
• Prepares borrowers for the process, keeping all parties informed of important developments and statuses.
• Informs applicants of closing costs such as appraisal, credit report, and notary fees.
• Coordinates closing with borrowers, closing agents, Realtors, and other transaction parties.
• Develops referral networks of bank associates and external sources (Realtors, builders, friends, family).
• Interviews loan applicants to document income, debt, and credit history.
• Determines applicant eligibility per establishment standards.
• Answers applicant questions and obtains signature on information authorization forms.
• Submits application forms to Mortgage Loan Processor for verification.
• Calls applicants or others to resolve discrepancies, such as late payment history on credit reports.
• Communicates loan denial or acceptance to applicants.
• Manages a clean pipeline of loans, coordinating daily with Processors, Underwriters, and Closers.
• Keeps bank associates updated on industry changes and works as a team member with other lines of business.
• Maintains up‑to‑date compliance knowledge across products, services, and affiliates.

None

• Required:
  
  Associate’s degree and three months to one year related experience and/or training; or equivalent combination of education and experience.
• Preferred:
  Bachelor’s degree and two to four years related experience.
• Preferred:
  Three years banking experience in community lending.
• Must be registered with the National Mortgage Licensing System (NMLS) as a Mortgage Loan Officer; registration requires background check and annual renewal.

• Ability to work under stress and meet deadlines.
• Ability to operate related equipment.
• Ability to read and interpret documents.
• Ability to travel when required.
• Ability to lift/move/carry approximately 10 pounds if required; accommodations available if needed.

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.

• Entry level

• Full‑time

• Finance and Sales

• Banking