Description
The Mortgage Loan Originator originates first mortgage loans and home improvement loans for consumers.
Requirements
Duties and Responsibilities:
- Originates one-to-four family residential loans by talking with customers and by 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 make 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.
Necessary competencies:
- Adaptability
- Communication skills
- Customer service
- Interpersonal skills
- Job knowledge
- Judgment
- Leadership
- Planning and organization
- Staff development
Technical Expertise
- 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. Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred. CRM software is preferred.
Education and Experience
- 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.
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.
This job description is designed to provide a general overview of the requirements of the job and does not entail a comprehensive listing of all activities, duties, or responsibilities that will be required in this position.
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