Mortgage Loan Originator

Responsibilities

• Interviews applicants and requests appropriate credit documentation and specified information for loan application.
• Analyzes applicant's financial status, credit, and proposed property transaction to determine feasibility of granting loan.
• Compiles upfront compliance information and assures timeline requirements are met.
• Answers applicant questions.
• Corresponds with applicant to resolve questions regarding application information.
• Matches applicant's needs and qualifications with potential loan programs.
• Ensures loan meets selected program guidelines.
• Submits loan package to processor for processing in a timely manner.
• Works closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
• Informs applicants of loan approval, denial, or outstanding conditions.
• Handles correspondence with applicant regarding locking of loan and handles the actual locking process in accordance with current company procedures and requirements.
• Provides excellent customer service and solves customer‑related problems quickly.
• Maintains and enhances market awareness, including economic information, housing data, and competitive trends; based on this information, helps develop programs or recommends product enhancement to address customer needs.
• Maintains and enhances personal knowledge of products and services as well as the laws, regulations, and internal policies and procedures appropriate to the position.
• Establishes and maintains positive working relationships with Realtors, business partners, and any other potential business sources. Supports and cultivates bank referrals and relationships.
• Communicates with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image.
• Performs other duties when assigned.

• High school diploma and commitment to continuing job‑related coursework.
• Two (2) years of loan originating with proven ability to support a pipeline of twenty loan applications per month.
• Working knowledge of prequalification principles and practices OR two (2) years of processing experience.
• Strong sales skills.
• Basic computer knowledge including CALYX, Microsoft Word, Excel, and a general understanding of the Internet; basic math ability; basic accounting/bookkeeping skills; ability to use a financial calculator.
• Must be detail oriented; have the ability to prioritize; possess solid organizational and time‑management skills; and have solid problem‑solving and decision‑making skills.
• Solid written and verbal communication skills are a must.
• Must be able to work independently and handle multiple priorities under deadline pressures and time restraints.
• Must strive for and consistently achieve customer satisfaction.