Mortgage Loan Originator

The Mortgage Loan Originator reports directly to the Senior Mortgage Loan Officer. The Mortgage Loan Originator is responsible for soliciting, generating, and closing real estate loans for the bank. The Mortgage Loan Originator interviews loan applicants, generating, negotiating, and coordinating the closing of mortgage loans as well and handles phone inquires regarding home loans. This position is also responsible for the maintenance of mortgage loans, and in the event of delinquency, the collection of loan payments.

This position will also help sell bank products and generate new business opportunities for the bank. This person will be responsible to make business development calls, concentrating on the real estate market, with the goal of generating additional volume for the bank.

Loan Portfolio Management: 35%

• Responsible for the generation of real estate loans for the bank within guidelines set by bank policy and growth targets.

Responsible to close the loan with the customer. At that time, the loan will be given to a loan processor for documentation. The originator will be responsible for all documentation and ensure that the bank's position is secured.

• Responsible to control the past due loans on the real estate portfolio. Maintain current mortgages and collect delinquent payments.
• This position is required to register with the Nationwide Mortgage Licensing System & Registry. This position will need to comply with initial registration and ongoing registry requirements.

New Business Development: 35%

• Responsible for generating new mortgage loan volume for the bank. This will include soliciting new business relationships and deepening relationships with existing customers. Responsible for referring customers to the Retail and Investment Departments of the bank for deposit and investment relationships. This can include DDA accounts, as well as other liability products the bank offers.

Cross-sell customers to other banking services. This may include deposit products, investment products, or any other product the customer may be a candidate for.

• Must help attract prospects to the bank. Again, this will be accomplished through participation in the bank's sales calling effort. This person will make calls on specific prospects.

Specifically, this position will work with real estate people within the community to generate loans for the bank. Typically, this includes brokers, builders and real estate agents that can provide loans to the bank.

Customer Service: 25%

• This position will handle phone inquiries regarding mortgage rates and requirements for getting a loan with the bank.
• During the process of originating the loan, this person will work with customers through the mortgage process and handle issues as they arise.
• Knowledgeable, competent & comply with all service standards.

Other: 5%

• Active involvement in key community, banking and civic organizations and activities, as appropriate, to represent the bank in the community. As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities.

Attention to Detail:

Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details. Able to develop personal tracking/reminder systems to assure that important activities are not missed.

Customer Orientation:

Recognize and respond sensitively to the overall financial needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.

Financial Analysis:

Must clearly understand all aspects of accounting and finance in a community bank environment. This includes understanding reconcilement, general ledger, budgeting, and pricing along with the ability to understand numbers and use those skills as they pertain to loans and the loan underwriting process.

Negotiation and Sales Skills:

Must understand the concepts of negotiating and sales as it pertains to selling financial service products in a community bank. Must be able to cross sell customers and make referrals to other areas of the bank. Must be able to develop a "win-win" approach to problem solving with customers.

Oral/Written Communication:

The ability to express and to communicate thoughts and ideas in a professional, clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.

Professionalism:

Projects a positive image of the bank to all internal and external customers at all times along with the ability to work well with others. Helps to build and promote teamwork.

Time and Work Management:

Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.

Education and Special Requirements:

• Four-year degree in business administration or related experience along with three to five years of prior sales experience preferred.

This job requires skills needed in a typical office environment. This includes communications skills, computer skills such as, but not limited to Word and Excel as well as utilization of typical office equipment.

Ability to remain in a stationary position (e.g., standing or sitting) for extended periods.

Visual acuity to read documents, computer screens, and currency.

Manual dexterity for typing and handling paperwork.

Occasional travel to client sites or branch locations (if applicable).

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