Mortgage Banking Originator

Mortgage Originator
Reports To: Regional Mortgage Sales Manager
At Five Star Bank, our people are our greatest competitive advantage. As a Mortgage Loan Originator, you will use your expert knowledge of mortgage products and services and an advice-led approach to deliver personalized residential real estate solutions and build lasting relationships. As a Mortgage Loan Originator, you will drive productive sales and service activities, develop new business by educating existing and potential clients and exemplify Five Star Bank's HEART values. The ideal candidate will possess a referral source network and/or target audience whose mortgage needs can be satisfied with a traditional array of products sold on the secondary market including but not limited to Freddie Mac, FHA, VA, USDA and SONYMA.
Develops new business by cultivating leads from external referral sources such as realtors, home builders, attorneys, and financial planners. Works with internal business partners such as branch staff, commercial lenders, small business lenders and wealth management staff, to identify prospects and leads. Stays knowledgeable on Bank products and services and actively contributes to business development goals through cross sell opportunities, submitting referrals to other lines of business.

• Keeps current and compliant with industry standards and government regulations and serves as subject matter expertise with all mortgage products such as Freddie Mac, SONYMA, VA, FHA, and USDA. Adheres to bank policies and procedures.
• Actively promotes Five Star Bank projecting a positive and professional image through participation in relevant community and professional activities to expand and enhance networking opportunities for generation of leads and community interest.
• Collects financial data & documents and submits a complete loan application for processing. Monitors the loan process from origination to closing acting in the role of liaison between the Bank and the applicant.
• The CRM tool for Five Star Bank is Salesforce. The originator will receive training on the system and is expected to know how to send and receive referrals from this system. They are expected to use Salesforce in their daily correspondence with other internal partners at the Bank.
• Demonstrates the standards and principles of the Five Star Bank experience in every interaction with internal and external customers and associates. Incorporates the high performance behaviors of teamwork, leading by example and service in every facet of work.

Education: High School Diploma.
Prior Experience: 3+ years in the financial services industry
Register with Nationwide Mortgage Licensing System Registry (NMLS) and obtain a unique identifier that is provided to consumers in accordance with all SAFE Act requirements. Renew registration with NMLS annually. Maintains and updates personal registry information as necessary to include name changes, employment changes, etc.
Possess analytical ability to interpret and utilize data to make appropriate recommendations ensuring compliance with regulations and policies/procedures
# Strong sales orientation while being customer focused; Working knowledge of Microsoft Office applications and loan origination systems with the ability to learn and utilize new and existing banking software applications

Able to travel occasionally throughout the footprint.

• Extensive computer usage is required.
• Evenings - occasionally
• Weekends - occasionally

The Mortgage Originator may be required to perform other duties as assigned.
Five Star Bank