Duties and Responsibilities
Consulting with Bank customers and non-customers regarding
borrowing needs, including preparing mortgage loan applications
particularly in under served markets and for individuals with low
to moderate income by doing the following:
- Work with prospective customers in determining readiness for
home ownership, developing a budget, and overcoming common
roadblocks that prevent home purchase; provide action plans for
next steps towards home ownership.
- Determine a maximum affordable mortgage payment and purchase
price, provide action plan to save minimum required funds for home
purchase, educate customers about all mortgage products or
- Analyze financial and credit information necessary to
effectively underwrite loans, and recommend approval or rejection
of mortgage loans within lending authority by reviewing payment
history's, liabilities and other credit information, examining and
processing documents, and addressing issues as needed.
- Obtain all necessary documentation from applicants.
- Complete each loan application and oversee all pre-processing
functions in a timely manner to permit the good faith estimate and
other required disclosures to be provided to applicants within the
requested time period.
- Make verbal and written commitment on behalf of the Bank which
includes rate terms, pre-qualification, mortgage commitment,
- Negotiate terms and conditions and oversee construction loan
Engage in outside opportunities, i.e., calls, open houses,
seminars, realtor functions to develop and maintain relationships
with realtors, home builders, individual contacts, and other
referral sources generating feedback to increase their business
relationship with the Bank.
Participate and maintain extensive outreach and participate in
community organizations & events.
Identify customer's and non-customers' other financial needs and
cross-sell other bank products and services.
Track and monitor portfolio, pipeline, and leads and provide
reports on production to supervisor. Responsible for performance of
portfolio by building strong relationships with customers to
encourage minimal delinquencies.
Education and Training
Requires High School diploma.
Requires 2 or more years of related mortgage lending or
Previous sales experience is preferred.
Multi-lingual; ability to speak Spanish is preferred.
Strong oral and written communication skills
Strong sales and customer service skills
Cross-selling and closing skills
Lending regulations and Bank's underwriting guidelines and
Loan types and documents
Analyze and interpret numerical data
Take initiative to maintain the flow of work
Perform duties under frequent time pressures
Pursuant to the Secure and Fair Enforcement for Mortgage
Licensing Act ("SAFE Act"), all Mortgage Originators are required
to maintain current registration with the Nationwide Mortgage
Licensing System & Registry ("NMLS"). If such registration is not
active as of the hire date, the Mortgage Originator must
immediately attain active registration upon employment. Mortgage
Originators who fail to maintain an active and current registration
will be unable to originate mortgage loans and may be subject to
disciplinary action, up to and including termination of
Requires knowledge of Microsoft Office
EOE of Minorities/Females/Veterans/Disability