Consumer Direct Loan Originator

Apply for the Consumer Direct Loan Originator role at Central Bank
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• Originate real estate loans in accordance with Federal guidelines and established lending objectives, policies and procedures.
• Establish and maintain positive relationships with existing and potential customers.
• Contact bank-provided leads in a timely manner and promote and develop relationships with referral sources such as realtors, builders, attorneys, and other affinity groups to generate additional mortgage leads.
• Interview applicants and request appropriate credit documentation and specified information for loan applications.
• Analyze applicant's financial status, credit and proposed property transaction to determine feasibility of granting a loan.
• Compile upfront compliance information and assure timeline requirements are met.
• Answer applicant questions and correspond with applicants to resolve questions regarding application information.
• Match applicant's needs and qualifications with potential loan programs and ensure the loan meets selected program guidelines.
• Submit loan package to Processor for processing in a timely manner.
• Work closely with the loan processor to assure the loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
• Inform applicants of loan approval, denial or outstanding conditions.
• Handle correspondence with applicants regarding locking of the loan and manage the actual locking process in accordance with current company procedures and requirements.
• Provide excellent customer service and resolve customer‑related problems quickly.
• Maintain and enhance market awareness, including economic information, housing data and competitive trends, and help develop programs or recommend product enhancements to address customer needs.
• Maintain and enhance personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
• Establish and maintain positive working relationships with Realtors, business partners and any other potential business sources.
• Support and cultivate bank referrals and relationships.
• Communicate with all mortgage operations staff, along with others in the bank, while projecting a positive, professional image.
• Perform other duties when assigned.
• This position can work from any location within our market areas.

• High School Diploma and commitment to continuing job‑related coursework.
• Two (2) years of loan originating experience with a proven ability to support a pipeline of 10+ loan applications per month.
• Working knowledge of prequalification principles and practices, or two (2) years of originating experience.
• Strong sales skills.
• Basic computer knowledge including Encompass, Microsoft Word, Excel, and a general understanding of the Internet.
• Basic math ability.
• Basic accounting/bookkeeping skills.
• Ability to use a financial calculator.
• Must be detail oriented with the ability to prioritize.
• Possess solid organizational and time management skills, and possess solid problem solving and decision making skills.
• Solid written and verbal communication skills.
• Must be able to work independently and handle multiple priorities under deadline pressures and time restraints.
• Must strive for and consistently achieve customer satisfaction.

• Entry level

• Full-time

• Finance and Sales