Mortgage Loan Originator

Job Type


Full-time

Description

Are you passionate about helping people achieve their homeownership dreams? Do you thrive in a dynamic environment where your efforts directly impact your success and earning potential? Join our community bank as a Mortgage Loan Officer and become a vital part of a team dedicated to serving our local community with integrity and enthusiasm.

In this role, you will originate residential mortgage and consumer loans, ensuring a smooth and positive experience for our customers. You will play a key role in building lasting relationships, developing referral networks, and maintaining a high-quality loan pipeline-all while adhering to all federal and state lending regulations.

1. Proactively develops business. Actively partners with key referral sources including local realtors, developers, construction companies and other financial institutions. Conducts outbound prospecting activities, including calls, referrals, networking events, community involvement, and realtor outreach.
2. Establishes and maintains strong relationships with existing and potential real estate customers. Supports and implements all marketing efforts related to Mortgage Banking. Represents FVSBank in the community.
3. Conducts borrower interviews and prequalification assessments to identify appropriate loan products and determine borrowing capacity.
4. Receives and screens loan applications, requests credit status, banking and other references. Obtains and reviews required documentation including income verification, tax returns, bank statements, purchase contracts, title information, and appraisal-related documentation
5. Corresponds with applicants or creditors to resolve questions regarding application. Collects, analyzes and presents borrower financial information for underwriting evaluation. Communicates loan status and decisions in accordance with Bank policies and regulatory requirements.
6. Ensures timely delivery of required disclosures and assists borrowers with understanding loan documents and closing requirements.
7. Addresses customer concerns and takes appropriate action to resolve them.
8. Coordinates with processors, underwriters, appraisers, title companies, attorneys, and closing agents to facilitate efficient loan processing and timely closings.
9. Maximize customer relationships by referring additional banking products across all banking services at each mortgage closing.
10. Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
11. Promotes fair and responsible lending practices and ensures all applicants are treated consistently and fairly in accordance with Fair Lending, Equal Credit Opportunity Act (ECOA), and Fair Housing requirements.
12. Ensures compliance with all applicable federal and state lending regulations, including but not limited to TRID, RESPA, TILA, ECOA, HMDA, Fair Housing Act, SAFE Act, Flood Insurance regulations, Anti-Money Laundering (AML), Bank Secrecy Act (BSA), OFAC, and the Bank's policies and procedures.
13. Maintains educational and professional expertise through attendance at job related seminars, conferences and workshops and involvement in professional, civic and community groups
14. Conducts oneself in accord with the Bank's Core Values.

The job duties listed are in no way all encompassing. Other duties, responsibilities and qualifications may be required and/or assigned as necessary. This position requires regulatory compliance.

At our community bank, we believe in fostering a supportive and engaging work environment where your efforts are recognized and rewarded. Enjoy the opportunity to grow your career while making a meaningful difference in our community. Join us and turn your passion for helping others into a rewarding career!

Requirements

Education

• High School Diploma or equivalency, required
• Bachelor's degree or equivalent work experience, preferred

Experience

• 5 years or more of loan origination experience, preferred

Licensing

• Register and maintain licensing with the NMLS

Other Skills

• Excellent communications skills, verbal and written
• Sales skills
• Analytical/synthesis skills
• Organizational skills
• Decision making/creative problem-solving skills
• Ability to deal with customers with tact, diplomacy and confidentiality

Physical Requirements

• The ability to sit for lengthy periods of time
• Frequent use of computer, calculator and other office equipment
• Travel to our branch locations, including driving of vehicle

Salary Description


Base pay plus commission