Mortgage Loan Originator

POSITION SUMMARY

As a Mortgage Loan Originator (MLO), you are responsible for developing a network of quality referral sources, taking loan applications and sending the application through the system for approval. The MLO follows the loan through closing while ensuring quality service and discusses borrowing options with customers. This role is highly visible in the Bank and requires a high level of professionalism and self-awareness. In this role, you are required to be extremely flexible to meet the overall demands of the department and ultimately the Bank.

JOB REQUIREMENTS

• High school diploma or equivalent required


• Two years of mortgage-related experience required


• NMLS (Nationwide Multistate Licensing System) registration required

COMPETENCIES

• Ability to display a professional demeanor at all times


• Ability to be well-organized, self-motivated and results-oriented


• Ability to be focused on customer service with excellent communication skills


• Ability to work independently and keep supervisor updated appropriately


• Possess the ability to multi-task in a fast-paced environment


• Possess forward thinking abilities and analytical skills


• Possess extensive follow-up abilities


• Ability to adjust to a fast-paced, multi-demand, ever-changing work environment

DUTIES AND RESPONSIBILITIES

• Develop a network of quality referral sources including real estate agents, attorneys, accountants, builders and developers


• Take loan applications and send through the approval system


• Discuss borrowing options with customers


• Follow loan through closing while insuring quality service


• With the collaboration, and partnership, of the Marketing Department, create and maintain personal marketing of yourself and the Bank’s brand on social media as it relates to Mortgage


• Be active in community and industry involvement within the market


• Maintain an understanding of all mortgage products as it relates to secondary market and portfolio guidelines in order to serve customers appropriately


• Meet or exceed sales goals and production targets


• Maintain compliance with regulations and bank policies and procedures, including the Bank Secrecy Act (BSA) and the Office of Foreign Assets Control (OFAC) requirements


• Actively support the ongoing development of a culturally diverse workforce


• Complete other duties as assigned as determined by management to be reasonable and beneficial

PHYSICAL REQUIREMENTS

While performing the duties of this job, the employee is regularly required to communicate effectively with customers, management, and employees, both individually and in front of a group. Regular use of the telephone and email for communication is essential. Remaining in a stationary position for extended periods of time is common as is traveling to meet with customers in various locations. Must be able to accurately gather and process verbal and written information and properly prepare or inspect documents. Good manual dexterity is needed for the frequent use of common, and mobile office equipment, such as computer terminals, calculators, copiers and telephones. Occasional out-of-town or overnight travel may be required.