Mortgage Loan Originator I, Valparaiso, IN

Mortgage Loan Originator I, Valparaiso, IN

POSITION SUMMARY: Originates permanent FHA / VA and conventional residential mortgage loans and participates in related business development activities in assigned region/area. Partners with banking centers to assist current clients on mortgage needs.

ESSENTIAL REQUIREMENTS:

• Solicits residential first mortgages through contacts with realtors, builders and developers.
• Calls on potential or existing customers as assigned to develop new business or retain existing business.
• Utilizes the mortgage product to cross sell banking relationships for the regional banking centers (i.e. checking accounts and other deposit services).
• Provides service to customers and prospective customers seeking residential mortgage loans.
• Interviews applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data.
• Negotiates terms and conditions of loan with mortgagors.
• Makes presentations to prospective customers in the community.
• Keeps informed of trends and developments in the local Real Estate market, as well as the changing rules and regulations pertaining to both conventional and government-insured mortgages.
• Must have valid driver's license.
• Regular and predictable attendance is an essential requirement of the position.
• Completes all compliance training related to the position.
• Understands all applicable laws and regulations that apply to the position and complies with the requirements.

NON-ESSENTIAL FUNCTIONS: Performs all other duties as assigned.

EXPERIENCE/SKILLS:

• Retail or sales experience preferred.
• Good PC skills--proficiency in Microsoft Word and Excel essential.
• Good calling and presentation skills.
• Self-starter, good organization skills.
• Ability to work well within a team.
• Good verbal communication skills.
• Willing to work flexible hours.

EDUCATION: Bachelor's Degree preferred.

TRAVEL REQUIREMENTS: Ability to travel to off-site locations for meetings, projects, seminars, etc., as well as ability to travel overnight.

PHYSICAL DEMANDS: 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 to perform the essential functions.

While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.

EQUIPMENT: MS Office PC, fax, phone and standard office equipment.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.