Mortgage Loan Originator

* The home branch for this position may be subject to change to any Capitol Bank location

Responsibilities include originating and qualifying loan applicants by interviewing and counseling existing and prospective mortgage clients. Proactively develops business relationships, making calls to existing and new referral partners plus prospective clients.

• Represent Capitol Bank ethically and professionally at all times
• Give back to the community through volunteering
• Proactively solicit new relationships and expand current at social and civic events
• Travel locally to meet partners and prospects where they prefer to do business
• Stay informed on market, industry, program and guideline changes
• Collaborate effectively with realtors, builders and other industry trade professionals
• Manage deadlines and reply to requests promptly
• Consult with prospective borrowers and educate them on financing options
• Obtain thorough loan applications with proper supporting documentation
• Initially analyze financials to help determine credit worthiness
• Identify need for additional bank products and services then refer appropriately
• Work cohesively with processing and underwriting to meet closing needs
• Maintain constant contact with clients until closing and beyond as needed
• Foster referral relationships with employees in other bank business lines
• Monitor past dues and assist with collections if required
• Meet established growth and sales goals
• Adhere to bank policies and procedures
• Provide valuable feedback on overall client experience to always improve

• Excellent verbal and written communication skills
• Team player
• Achievement oriented
• Comfortable in a sales culture
• Adaptable to variable workloads
• Focused on finding solutions
• High sense of urgency
• Interested in making an impact
• Passionate about delivering unmatched service
• Proficient in Microsoft Office and loan operating systems
• Knowledgeable of secondary market guidelines and rate pricing models
• Comprehends real estate documentation including title work
• 3-5+ years of mortgage origination experience
• General banking knowledge helpful
• College degree preferred
• Valid driver license required

• Will have considerable contact with co-workers, external customers and prospects.

Capitol Bank is committed to supporting our employees' health and wellbeing while ensuring that all team members are equipped to deliver exceptional service to our customers and community.

• Must be able to sit for periods greater than 45 minutes at a time.
• Must be able to stand for periods greater than 30 minutes at a time.
• Must be able to lift a minimum of 25 pounds.
• Must be able to use computer monitors for periods greater than 45 minutes at a time.
• Must be able to perform basic typing functions.
• Approximately 5% travel is required.

NOTE:

This job description is not intended to be all-inclusive. Employees may perform other related duties as negotiated to meet the ongoing needs of the Bank.