Mortgage Loan Originator

Overview

Join to apply for the Mortgage Loan Originator role at Central Bank
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• Interviews applicants and requests appropriate credit documentation and specified information for loan application.
• Analyzes applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
• Compiles upfront compliance information and assures timeline requirements are met.
• Answers applicant questions.
• Corresponds with applicant to resolve questions regarding application information.
• Matches applicant's needs and qualifications with potential loan programs. Ensures loan meets selected program guidelines.
• Submits loan package to Processor for processing in a timely manner.
• Works closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
• Informs applicants of loan approval, denial or outstanding conditions.
• Handles correspondence with applicant regarding locking of loan and the actual locking process in accordance with current company procedures and requirements.
• Provides excellent customer service and resolves customer-related problems quickly.
• Maintains and enhances market awareness including economic information, housing data and competitive trends; uses this information to help develop programs or recommend product enhancements to address customer needs.
• Maintains and enhances personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
• Establishes and maintains positive working relationships with Realtors, business partners and other potential sources; supports and cultivates bank referrals and relationships.
• Communicates with all mortgage operations staff, along with others in the bank, by projecting a positive, professional image.
• Performs other duties when assigned.

• High School Diploma and commitment to continuing job-related coursework.
• Two (2) years of loan originating with a proven ability to support a pipeline of twenty loan applications per month.
• Working knowledge of prequalification principles and practices or two (2) years of processing experience.
• Strong sales skills.
• Basic computer knowledge including CALYX, Microsoft Word, Excel, and a general understanding of the Internet; basic math ability; basic accounting/bookkeeping skills; ability to use a financial calculator.
• Detail oriented with the ability to prioritize; solid organizational and time-management skills; and strong problem solving and decision-making skills.
• Solid written and verbal communication skills.
• Ability to work independently and handle multiple priorities under deadline pressures and time restraints.
• Commitment to achieving customer satisfaction.

• Entry level

• Full-time

• Finance and Sales