About The RoleOriginates quality FHA, VA and conventional mortgage loans; manages customers through the entire loan process, from data collection and analysis through loan conclusion; and maintains positive client relationships. Administers booking and monitors performance to include review and collection. Develops contacts and networks with area professionals and others to develop referral sources. Participates in business development activities outside of the office, such as realtor open houses and home buyer seminars, and makes contacts through community networking. Complies with all banking laws and regulations.
About YouMajor Duties and Responsibilities:
- Originate quality mortgage loans (i.e., saleable in the secondary market). Set customer expectations and educate them on the entire mortgage origination process.
- Compile and analyze data for mortgage requests. Ensure all loans are priced within a reasonable tolerance of FSB's normal pricing targets in order to ensure that each customer receives a fair and equitable loan price.
- Develop business relationships with referral sources to generate customer leads for loans; referral sources include, but are not limited to realtors, builders, professional groups, and other bank personnel/departments.
- Prepare loan applications and required disclosures in accordance with Bank standards and policies, and within the regulatory time limits.
- Oversee the entire loan process including, but not limited to, investigating loan program requirements, loan application completion and documentation, processing and closing.
- Manage operational responsibilities including monitoring loan pipeline, preparing sales production reports, and attending sales meetings.
- Maintain current working knowledge of all Bank loan products, other bank products and services, applicable laws and regulations and related Bank policies and procedures.
Qualifications:
- Minimum of five years of mortgage loan origination experience. Must be able to provide documentation of personal production loan volume.
- Commissioned mortgage loan origination experience is preferred.
- A college degree in business, finance, or related field.
- Position is required to register and maintain active and current Mortgage Loan Originator registration with the National Mortgage Licensing System (NMLS) as required by law.
- Must possess current, valid driver's license.
Knowledge, Skills, Abilities:
- Working knowledge of standard office equipment and basic computer skills.
- Working knowledge of credit structure and appropriate collateral; real estate loans and lending function, practices, and procedures.
- Ability to analyze, evaluate and interpret bank policies, federal regulations, and other technical information.
- Communicate effectively both verbally and in writing.
- Demonstrate teamwork and professionalism.
Physical Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.
Working Conditions:
Must be able to routinely perform work indoors in a climate-controlled shared work area with moderate noise.
What We Offer
COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes medical, dental, vision, and life insurance, a health savings account option, and Paid Time Off (PTO).
COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same.
We are an Equal Opportunity Employer and qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, sex, sexual orientation, gender identity, mental or physical disability, or any other category protected by applicable laws.
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