Mortgage Loan Originator II - Juneau

Mortgage Loan Originator II - Juneau

Mortgage Loan Originators determine the customers’ needs, analyze financial information and determine the most appropriate loan program, as well as participate in business development activities.

Job/salary offer would be commensurate with experience.

The schedule is Monday-Friday and occasional evenings/weekends.

Originates mortgage loans by determining customers' needs, analyzing financial information, and determining the most appropriate loan program, and participates in related business development activities by performing the following essential duties and responsibilities:

• Sells mortgage loan products to existing and prospective customers by interviewing, evaluating needs, and making mortgage loan product recommendations; analyzes customers' financial information to determine if customer qualifies for a loan and determines best fitting investor and loan program.
• Develops additional business and referral base through outside sales, mailings to existing and potential customers, attending real estate industry functions, and participating in community outreach programs.
• May originate complex mortgage loans under direct guidance of the Unit Head, developing in-depth knowledge of the most complex mortgage products, to identify cross selling opportunities, and make referrals to other areas of the bank.
• Prepares required preliminary disclosures that comply with federal and industry regulations for supervisory review prior to dissemination.
• Performs other work-related duties as assigned by supervisor.

• Stay up to date on relevant laws and regulations and complete all compliance training on time.
• Knowledgeable of and comply with bank policies, procedures, laws, and regulations that apply to you and your job.
• Maintain customer confidence and protect the bank’s operations by identifying and protecting confidential information.

Education and/or

Experience:

Minimum:
Bachelor's degree in business, marketing, or related field and two years’ relationship building sales experience; or four years’ relationship-building sales experience; or equivalent combination of education/training and experience.

Preferred: One year real estate or mortgage experience; familiarity with FHA/VA, AHFC, FNMA, and other investor lending programs.

Ability to keyboard 35 wpm and operate a 10-key calculator required. Word processing and spreadsheet experience preferred.

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, customers, and the general public. Ability to provide a thorough explanation of documents required for processing a mortgage loan.

Ability to work with mathematical concepts such as probability and statistical inference. Ability to calculate figures and amounts such as charges, payoffs, discounts, interest, percentages and ratios.

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving variable in standardized situations.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk and hear.

The employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms.

The employee is occasionally required to stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds.

Specific vision ability required by this job includes close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

The noise level in the work environment is usually moderate.