Mortgage Banking Originator

Job DescriptionThe Mortgage Loan Originator is responsible for proactively soliciting new residential mortgage business through internal and external sources in an assigned geographic area. This individual will participate in business related development opportunities, professional organizations, and community efforts to promote homeownership.Essential FunctionsEnsure compliance with third party agencies and vendorsEnsure exceptional customer service experience throughout the loan origination process.Interact with other team members and other departments in a professional mannerSubmit complete credit applications with supporting documentationDevelop and maintain successful relationships with internal and external referral sourcesProspect new mortgage lending opportunitiesFacilitate communication activities with customers and referral sources during loan origination processReview applications, credit files, and customer qualifications to determine appropriate loan products and pricingCounsel and coach loan applicants to assist them towards their goals and to deliver the best loan products for their needsRequest timely loan rate locks for Secondary MarketingMaintain up-to-date knowledge of loan products including conventional, portfolio, FHA,VA, USDA-Rural Housing programs and secondary market rulesAchieve production and quality goalsCross-sell other Northwest products and services to loan applicantsAdditional Essential FunctionsEnsure compliance with Northwest’s policies and procedures, and Federal/State regulationsNavigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiencyWork as part of a teamWork with on-site equipmentQUALIFICATIONSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Work Experience3 - 5 years mortgage origination or sales experienceEducationHigh School DiplomaGeneral Employee Knowledge, Skills, and AbilitiesAbility to establish effective working relationships among team members and participate in solving problems and making decisionsAbility to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or writtenAbility to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and informationAbility to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and informationAbility to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areasAdditional Knowledge, Skills and AbilitiesAbility to successfully meet production and quality goalsKnowledge of banking industry laws, regulations, and the retail origination processKnowledge of conventional, government loan products and guidelines including Fannie Mae, Freddie Mac, FHA, USDA-Rural Housing and VA loansKnowledge of Ellie Mae-Encompass Loan Origination software, Freddie Mac - Loan Product Advisor and Optimal Blue pricing engineKnowledge of retail mortgage loan pricingSales skills with the ability to turn prospects into customersStrong networking and organizational skillsAbility to work collaboratively and manage multiple deadlines and prioritiesLicenses and CertificationsNmls RegistryPer the SAFE Act, annual renewal as a condition of employmentNorthwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

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