Mortgage Loan Originator

Job Function / Summary Originate portfolio loans, secondary market conventional, FHA, VA and RD loans which are compliant with investor requirements and all State and Federal laws and regulations; Promote Bank products and services to existing and potential clients in the community. Responsibilities Provides expert mortgage advice to potential borrowers. Stays current with Bank's underwriting policy, investor guidelines, applicable State and Federal laws and regulations, and changes in other aspects of the mortgage industry. Develops and maintains referral networks of Bank associates and external referral sources such as Realtors, Builders, friends, family and others in the community. Manages a clean pipeline of loans in process coordinating with Processors, Underwriters, and Closers on a daily basis. Delivers all compliance documents and disclosures in a timely manner. Takes a very complete application and collects all required documentation (such as income tax return, bank account number, purchase agreement, and property description, etc.) for verification. Prepares the borrower(s) for the process and keeps all parties involved up to date on all important developments and current status of application. Informs applicant of closing costs such as appraisal, credit report, and notary fees. Coordinates the closing with the borrower(s), closing agents, Realtors and others involved in the transaction. Interviews loan applicants to document income, debt, and credit history. Determines if applicant meets establishment standards for further consideration. Answers applicant's questions and asks for signature on information authorization forms. Submits application forms to Mortgage Loan Processor for verification of application information. Calls applicant or other persons to resolve discrepancies, such as credit report showing late payment history. Informs applicant of loan denial or acceptance. Keeps Bank associates up to date on changes in the industry and works as a team member with the other lines of business. Maintains compliance requirements and a working knowledge of the products and services provided by the other lines of business and Bank affiliates. Qualifications Bachelor’s Degree preferred. 2 years of sales experience required. 2+ years of Mortgage origination experience preferred. National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008 required; registration must be completed prior to start date and renewed annually. Knowledge of all Mortgage laws, procedures, rules, regulations on a federal, state, local and bank-wide basis. Proficiency in Microsoft Office products (Word, Excel, PowerPoint, Access) and Outlook email program. Excellent communication, analytical, customer service and organizational skills. Ability to work effectively with all levels of personnel. Strong presentation skills. Mental & Physical Requirements Ability to travel if required. Ability to work under stress and meet deadlines. Ability to operate related equipment to perform the essential job functions. Ability to read and interpret a document if required. Ability to lift/move/carry approximately 10 pounds if required; otherwise accommodation may be provided if no undue hardship. Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws. #J-18808-Ljbffr Hancock Whitney Corp.