Mortgage Loan Originator

Position Summary

This position is responsible for the mortgage origination function of the bank. Other responsibilities include working with clients to explain process and answer questions during the process. This position also represents the bank in the community through attendance and participation in community events.

Reports To: Regional President

Lending Activities

· Interviews prospective loan clients.

· Works with prospective loan clients to obtain lending business for the bank.

· Educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations.

· Explains complex approvals or denials to the prospective loan clients.

· Screens mortgage loan requests based on the bank’s or secondary market’s policies and the types of mortgage loans actually offered by the bank.

· Obtains information (e.g., credit reports, background checks) needed regarding prospective loan clients.

· Learns about each customer’s unique financial situation.

· Learns about each customer’s credit and ability to repay their loans.

· Follows the banks lending policies and procedures.

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Business Development

· Represents the bank at community functions to enhance its image and develop new lending business.

· Continuously markets the bank’s lending services to the local real estate community (e.g., real estate agents; construction companies).

· Cross-sells the bank’s products and services to customers.

Compliance

· Completes and processes loan applications quickly to achieve compliance requirements.

· Studies new regulations that effect the bank’s lending policies and works with the bank’s management to ensure compliance with the regulations.

Communication & Integrity

· Communicates in a straightforward and assertive fashion.

· Updates relevant people with timely information.

· Listens carefully to what others are saying.

· Is respectful of others.

· Balances individual goals with team goals.

· Builds and maintains productive relationships with people throughout the organization.

· Maintains composure in frustrating situations.

· Demonstrates flexibility in working with others.

· Adapts to and helps others adapt to change.

· Respects and considers all opinions, even counter-opinions.

· Assumes responsibility for mistakes and failures.

· Demonstrates consistency between what is said and what is done.

· Behaves according to sound ethical and legal standards.

Initiative

· Embraces the culture, vision, goals, and expectations of the Bank.

· Develops action plans to achieve vision, goals, and expectations for the position.

· Understands actions impact others, departmental success, and company success.

· Identifies and focuses on the actions and steps that are within his/her control to achieve success.

· Takes action to achieve success proactively.

· Recognizes when plans should change to achieve goals and acts.

· Stays abreast of industry trends and developments in community banking services and marketing.

Minimum Required Education, Experience, and Skills

· Bachelor’s Degree Preferred

· 5 years of experience in commercial and/or consumer lending or related business experience

· Good interpersonal and communication (written and oral) skills

· Effective at diplomatic and persuasive communications with customers

· Self-starter with good organizational skills, detail oriented and goal focused

· Proficient with Microsoft Office products and financial spreadsheet programs

Job Type: Full-time

Physical setting:

• Office

Schedule:

• Monday to Friday

Education:

• Bachelor's (Preferred)

Experience:

• Commercial and/or consumer lending or related business: 5 years (Preferred)

Work Location: One location