Mortgage Development & Originator

Mortgage Development & Originator

Solicits residential mortgages through contacts with realtors, builders, and developers. Develops referral relationships with community development organizations and participates in community development activities. Interviews loan applicants and makes credit decisions.

Essential duties and responsibilities include:

• Work with assigned branch office to ensure awareness of home loan products.
• Handle referrals from branch office and provide appropriate follow-up.
• Develop referral contacts (realtors, builders, professional and personal contacts).
• Analyze financial data to determine creditworthiness.
• Maintain knowledge of available loan products, processing procedures, and underwriting guidelines.
• Take borrower applications.
• Utilize communication and access of daily rates, credit reports, and DU responses and transmitting to processor.
• Collect appropriate documentation from each applicant and deliver loan package to processor in a timely manner.
• Maintain high levels of customer service while managing each applicant's and support staff's expectations.
• Attend and participate in all lending meetings as required.
• Complete BSA/AML training and other compliance training as necessary.
• Develop referral contacts with community development organizations.
• Attend community development meetings to build and strengthen relationships.
• Represent bank at various civic, charitable, educational, and social affairs in order to develop and expand relationships.
• Makes presentations on financial education to groups to attract new business.
• Attend and participate in CRA development meetings and trainings as required.
• Perform any other related duties as required or assigned.

Qualifications include:

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 4 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience.

The position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS).