MORTG ORIGINATOR

Description/Job Summary

Originates loans for the purpose of resale on the secondary market. Originating loans outside of place of business over 50% of the time. These duties include: determining the appropriate loan program, ordering credit reports, providing disclosures and reviewing HUD settlement statement. Delivers HUD statement to borrower and attending as many closings as possible.

Responsibilities/Duties

1. Responsible for creating new customer relationships; developing realtor and contractor referral network. Customarily and regularly is engaged away from the employer's place of business.
2. Responsible for quick response to any walk in or phone requests.
3. Responsible for reviewing loan applications to ensure proper documentation.
4. Review daily status of loans in process, updates applications as necessary, copy loan documents and update status report.
5. Responsible for making an effort to cross-sell bank products and in-house loans.
6. Responsible for accurate and timely preparation and delivery to the borrower(s) of the early disclosures for all approved loan applications.
7. Responsible for pricing of loans at appropriate rate.
8. Responsible for reviewing any loan declinations with the underwriter. Follow up with the customer to offer other products.
9. Regular and reliable attendance.
10. Assists with other job related duties as assigned by manager.

Preferred Skills

Ability to communicate with customers and co-workers in a courteous and professional manner.

Ability to type with high degree of speed and accuracy.

Ability to multi-task, and function as a team player.

Ability to sell mortgage and bank products.

Ability to work with accuracy, organization, and attention to detail.

Preferred Experience

Two years of previous mortgage loan originating experience preferred.

Knowledge of FNMA, FHA, VA and NIFA guideline.

Knowledge of underwriting process.

Knowledge of the secondary market, agency loan products and guidelines.

Knowledge of bank policies and procedures.

Required Education

Details

• Health, dental, prescription drug card, vision, and voluntary life insurance plans
• Health Savings Account with employer contributions
• Flexible medical and dependent care spending plans
• 401K plan after 3 months and start of next quarter with employer contributions and profit sharing
• Free checking account and basic printed checks
• Free safe deposit box
• $15,000 group term life insurance
• Long term disability insurance
• Employee Assistance Program
• Educational Assistance