Mortgage Loan Originator

General Responsibilities

Responsible for performing various duties to promote the Bank's mortgage loan products in order to attract new loan business and refinances; achieving established sales goals as established in the Bank's business objectives; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the mortgage loan function; communicating with appropriate personnel; maintaining appropriate records and providing assigned reports.

Essential Duties

• Successful Completion of One Bank/One Team/One Brand Discipline.
• Performs various duties to promote the Bank's mortgage loan products in order to attract new loan business and refinances of which the following are illustrative:
• Focuses on marketing and promotional strategies to attract new business.
• Makes presentations to various audiences; educates borrowers on loan products and process.
• Makes contact and aggressively promotes the Bank to real estate agents, builders, developers, financial planners/CPAs, attorneys, and other referral sources.
• Participates in business development activities outside the office.
• Develops a reputation as a trusted financial advisor to customers and contacts.
• Maintains contact with customers throughout the entire loan process; maintains positive client relationships.
• Attends mortgage closings or coordinates with branch representative or mortgage closer.
• Cross sells other bank products to mortgage customers.
• Primary resource for involved mortgage counseling.
• Self-Sources Mortgage Leads through business development efforts and initiatives.
• Promptly handles referrals from branches and other line of business.
• Origination through closing handling of mortgage customer.
• Enhances mortgage customer's banking relationships with checking and other banking products.
• Conducts warm hand off for customers to branch.
• Completes community based CRA visits.
• Ability to provide professional service to our customers or prospective customers, in person, via phone, online chat or virtually (video).

Ancillary Duties:

Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. At times required to stoop, kneel, bend, crouch and lift up to 25 pounds. This position requires regular use of a computer.

Peoples Security Bank and Trust Company is an Equal Opportunity Employer

Education/Training: A Bachelor's Degree in a related field normally required; specialized education/training related to mortgage sales.

Skill(s): Must demonstrate strong communication skills; excellent interpersonal relations skills; proficient sales skills; proficient public speaking skills; thorough understanding of underwriting criteria and guidelines; extensive knowledge of current state and federal compliance regulations and secondary market guidelines.

Experience: A minimum of five (5) years of mortgage/sales experience normally required.

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