Mortgage Loan Originator
Location: US-MS-Madison
Job ID: 2024-17370
Category: Mortgage
Type: Regular Full-Time
Job Grade: 99
FLSA Status: Non-Exempt
Working Hours: 8am - 5pm
Job Location: Mortgage Banking - MS - 10146
Overview
The purpose of this job is to serve all customers by providing mortgage loan information, disclose fees, and gather data necessary to process mortgage requests.
Responsibilities
- Determine the best loan product for customer
- Devise marketing plans to seek referrals from agents and builders
- Provide guidance for loan inquiries related to pricing, product information, documentation requirements, payments, closing costs and qualifying requirements
- Complete applications and gather documents as needed to meet the parameters of the loan type, i.e., FHA, VA, Conventional, portfolio, etc.
- Develop referrals from internal and external sources. Maintain relationships with realtors by providing superior service
- Originate and promote Trustmark's Community Lending Loans and Products
- Coordinate and assist the mortgage dept. in the origination and servicing of Community lending products and services
Qualifications
- Minimum of 2 years' experience originating agency eligible mortgage loans or equivalent experience in underwriting or processing of agency eligible mortgage loan products
- Eligible for NMLS certification
- Thorough knowledge of government and conventional mortgage loan guidelines and requirements
- Extensive knowledge of the qualifying variables between mortgage loan products
- Ability to analyze all documentation to determine accuracy and acceptability for agency and portfolio requirements
- Knowledge of appraisal standards and acceptability
- Ability to produce tax return analysis as required by conforming loan guidelines
- Must know how to fully disclose and handle all applications according to compliance regulations
- Ability to work and identify with a varied group of borrowers, housing related entities and other community-based organizations
- Working knowledge of financial compliance and regulatory requirements
- Computer skills
- Interpersonal Skills
- Sales skills
- Communication skills
- Analytical Skills
- Junior college/Two-year college training preferred
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