Mortgage Loan Originator

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The Mortgage Loan Originator (MLO) is responsible for soliciting, structuring and closing 1-4 family real estate loans, and developing new mortgage loan business. The MLO collaborates with assigned bank branches to generate quality mortgage loan referrals and builds an external network of Realtor, builder, and referral partners. The MLO collects relevant loan documentation, ensuring a quality origination experience, and represents the bank in the local community through active involvement in trade groups such as Realtor associations.

• Source and develop loans for residential real estate and new construction lending, both internally and externally.
• Collaborate with bank Branch Managers to establish a referral plan and system.
• Conduct regular training, share best practices and successes.
• Conduct loan interview with borrowers to understand their needs and match suitable loan solutions.
• Take applications, collect documentation and run ratio and other calculations.
• Complete necessary credit investigations on each loan application to keep credit files current, including responsibility for collecting payments timely.
• Submit complete loan files to underwriting.
• Maximize bank profitability through appropriate pricing of new loan originations and fee income.
• Work with loan team to ensure all pertinent account documentation is complete and accurate and that all collateral has been properly secured.
• Support the bank's strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.
• Build and maintain positive relations with all customers, potential customers and co-workers.
• Perform as a team member in allocating and coordinating workflow.
• Contribute to the fulfillment of department and company objectives and goals, including other banking relationship opportunities with borrowers.
• Comply with all department and company policies, procedures and regulations.

• High school diploma or equivalence required.
• Prior mortgage origination experience required.
• Goal oriented and able to meet loan production objectives.
• Maintain NMLS registration and/or licensing status.

• Knowledge of mortgage loan origination, underwriting, processing, documentation, and post closing review.
• Knowledge of portfolio and secondary market loan origination programs and guidelines including conventional, FHA, VA, USDA, and Jumbo loan programs.
• Knowledge of the appraisal process, title insurance process, and loan closing process.
• Proven credit analysis skills.
• Knowledge of state and federal lending and compliance regulations and bank lending policies.
• Excellent organization and time management skills.
• Experience with originating loans using Loan Origination Systems.
• Intermediate math skills, ability to calculate interest, commissions, proportions, debt-to-income ratios, loan‑to‑values.
• Excellent customer service skills, attentiveness, and information retention.
• Proficient communicator and listener, with strong organizational skills.
• Excellent relationship‑building and sales skills.

• Standing, walking, bending and stooping required.
• Must be able to sit at a desk for long periods and use a computer.
• Must be able to occasionally move or lift up to 10 pounds.
• May be asked to work supplemental hours periodically.
• Limited travel required occasionally during and after business hours.

The above statements describe the general nature and level of work performed by the incumbent in this classification. They are not exhaustive.

NOT A CONTRACT

Not Applicable

Full‑time

Finance and Sales

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Raleigh, NC | $20,000.00-$ | 3 months ago.