Mortgage Originator/Officer

Job Description

Job Description

POSITION SUMMARY

The Mortgage Loan Originator is responsible for developing and originating qualified residential mortgage lending opportunities within the Bank’s CRA lending area and surrounding communities. Through relationship building and exceptional customer service, the Mortgage Loan Originator guides customers through the mortgage application process, identifies appropriate lending solutions, and supports the Bank’s strategic goals.

• Represent the Bank in a professional, courteous, and ethical manner to customers, associates, vendors and the public at all times.
• Develop and maintain a network of referral sources, including real estate professionals, community organizations, and local businesses.
• Provide exceptional service to existing or potential customers in person, electronically, by mail or by telephone while adhering to Bank standards and policies.
• Educate customers on available loan products, rates, terms, and the mortgage process.
• Originate residential mortgage loans by identifying customer needs and recommending appropriate loan products.
• Prequalify applicants and collect financial information to determine eligibility based on individual credit profiles and credit needs.
• Review loan applications for completeness and analyze data for accuracy; request and gather required documentation.
• Maintain up-to-date knowledge of Bank products, underwriting guidelines, compliance regulations, and market trends.
• Collaborate with processors, underwriters, and closing staff to ensure timely and compliant loan processing.
• Follow up proactively with customers and internal teams to ensure an efficient and positive customer experience.
• Monitor loans within the pipeline to ensure deadlines and regulatory requirements are met.
• Provide market feedback to management regarding competitor offerings and industry trends.
• Represent the Bank at community events, including first-time homebuyer seminars and outreach initiatives.
• Ensure compliance with all applicable laws, including Bank Secrecy Act (BSA), anti-money laundering (AML), and fair lending regulations.
• Complete all required compliance training and continuing education.
• Assist with preparing loan production and performance reports as needed.
• Perform additional duties as assigned to support department and Bank goals.
• Availability to work weekends as needed,

EDUCATION AND EXPERIENCE

• 1-2 years bank/mortgage company/credit union experience originating mortgage and/or HELOC loans.
• Associates degree or equivalent experience in the mortgage/consumer lending industry.
• Encompass LOS experience, construction lending knowledge, and MHP One Mortgage familiarity are preferred.
• Must be eligible to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and must maintain registration with NMLS as a registered Mortgage Loan Originator (MLO).

SKILLS AND ABILITIES

• Strong interpersonal and relationship-building skills.
• Excellent verbal and written communication abilities.
• High attention to detail and strong organizational skills.
• Ability to analyze financial information and make sound recommendations.
• Customer-focused mindset with a commitment to delivering exceptional service.
• Ability to work independently and manage multiple priorities.
• Knowledge of mortgage regulations, guidelines, and lending practices.

SUPERVISORY RESPONSIBILITIES

None

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 with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is generally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

WORK ENVIRONMENT

Typical office environment. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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Winchester Co-operative Bank is an Equal Opportunity Employer and makes employment decisions without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. EOE M/F/Disabled/Vet.