AVP, Mortgage Originator II

Summary/Objective: Incumbent will be responsible for marketing Community Bank mortgage loan products and services.

Performance Objective: The Mortgage Originator's responsibility is to solicit mortgage loans and other products from the bank's retail network, realtors, builders and contractors. The Mortgage Originator shall perform any other duties reasonably required by the Bank. The Mortgage Originator has an attractive commission package and is expected to achieve established production goals.

The Mortgage Originator ensures exceptional customer service by maintaining knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, and complying with all Federal and State compliance policies.

Essential Functions :

• Develops and maintains successful relationships with business referral sources, existing and prospective Community Bank
• Prospect new mortgage lending opportunities through marketing, cold-calling, prospecting and networking activities. Participate in community efforts to promote home ownership
• The Mortgage Loan Originator will originate all loan applications using a computer
• The Mortgage Loan Originator is expected to achieve production goals established by Community Bank
• The Mortgage Loan Originator must attend all training sessions, seminars, staff meetings and trade functions as required from time to time
• The Mortgage Loan Originator shall always be subject to the Bank's Code of Ethics
• The Mortgage Loan Originator shall be required to comply with all aspects of the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) and the Bank's S.A.F.E. Act Policy
• The Mortgage Loan Originator is to adhere to the Bank's Credit Policy Guidelines, Products and Procedures.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Other Duties:

• Review/Analyze credit and financial data for the loan applicant
• Meet with prospective borrowers

Competencies:

• Ethics/Integrity: Knowledge of practices, behaviors, applicable laws, rules and regulations governing proper business conduct.
• Adaptability: Knowledge of successful approaches, tools and techniques for dealing with changes and adapting to a changing environment.
• Customer Service: Works well with customers, promotes a positive image of the company, strives to solve issues raised by customers.
• Productivity: Manages workload, works efficiently, meets goals and objectives.
• Quality: Strives to eliminate errors, accurate work is a priority, seeks opportunities to improve products/services.
• Cooperation: Willingness to work harmoniously with others in getting a job done. Readiness to respond positively to instructions and procedures.

Supervisory Responsibility:

No supervisory responsibilities
Work Environment:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

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.


While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms.


Position Type/Expected Hours of Work:

Community Bank has adopted a 40 hour work week. Some flexibility in hours is necessary based on the location assignments, but the employee must be available during the "core" work hours of 8:00 a.m. to 4:30 p.m. Monday through Friday and must work at least 37.5 hours each week to maintain full-time status.


Travel:

Travel for this position is required to meet with prospective borrowers and for meetings. The Mortgage Originator must have a means of transportation, a valid Driver's License and auto insurance. Mileage reimbursement will be paid as per our Expense Reimbursement Policy.


Required Education and Experience:

High school diploma or GED, or one to three months related experience and/or training; or equivalent combination of education and experience.


Preferred Education and Experience:

Two years of mortgage lending experience or related experience.

Additional Eligibility Qualifications:

Strong clerical skills, good communication skills and professional appearance are necessary for this position. Proficiency with a computer, adding machine, copier, fax machine, and other office equipment are required. The ability to learn the operating systems used for daily job functions.