Mortgage Loan Originator

Mortgage Loan OriginatorThe Mortgage Loan Originator (MLO) solicits residential first mortgages through contacts with Realtors, builders, and developers. The MLO 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.Perform any other related duties as required or assigned.Qualifications:To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.Education and experience 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.Communication skills include the ability to read, analyze, and understand general business/company related articles and professional journals; Ability to speak effectively before groups of customers or employees.Mathematical skills include the ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.Critical thinking skills include the ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.Software skills required include intermediate proficiency in 10-Key and Accounting.No direct supervisory responsibility. Working conditions include exposure to noise, intermittent standing, walking; and occasional pushing, carrying, or lifting. The noise level in the work environment is usually moderate. Semi-repetitive, low physical work which requires periods of concentration for varied time cycles as prescribed by the tasks. While performing the functions of this job, the employee is frequently required to sit; and occasionally required to stand, walk, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds.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.