Mortgage Loan Originator

Mortgage Loan Originator

Job Summary:

At My Mortgage, Inc., we pride ourselves in our fairness and honesty and we truly care about every loan transaction and each client we serve. As a Mortgage Loan Originator, you will be responsible meeting with applicants, preparing loan proposals, and examining active loans. You will act as a liaison between applicants and our financial institution, as well as helping qualified applicants obtain loans.

• Assists potential borrowers with completion of initial loan applications; reviews submitted applications for accuracy and completion, requesting additional information or detail as needed.
• Verifies information and financial history provided; acquires borrowers' credit reports from major credit reporting bureau(s).
• Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan.
• Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval.
• Ensures loan agreements are completed according to policy; calculates and explains payment schedules.
• Explains different lending and credit options and bank products to potential and current clients.
• Maintains credit and lending records and files.
• Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses.
• Performs other related duties as assigned

• High School Diploma or equivalent.
• Certification of any mandatory state loan officer training or licensing required.
• 2+ Years as a Loan officer.
• Solid understanding of local, state, and federal loan regulations.
• Excellent verbal and written communication skills.
• Excellent interpersonal, customer service, and sales skills.
• Thorough understanding of Federal Housing Authority (FHA), Veterans Affairs (VA), Federal National Mortgage (Fannie Mae), and other types of construction and conventional loans.

• Bachelor's Degree in Finance or equivalent.
• 3+ Years as a Loan Officer.
• Knowledge of LOS Encompass system.