Mortgage Originator

Job Title

Mortgage Originator

Vice President of Mortgage Services

Non-Exempt

Commission

15,000

No

The Mortgage Originator is responsible to increase the mortgage loan portfolio by developing business contacts; attracting mortgage customers; completing mortgage loan application, processing, and closings.

• Develop a business referral network through marketing, cold-calling, prospecting and networking activities. A mortgage loan officer’s network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer’s regular participation in business related development opportunities, community efforts to promote home ownership and professional organizations.
• Participate in community efforts to promote home ownership.
• Follow up on internet and branch referrals on prospective customers.
• Meet with prospective borrowers.
• Review and analyze credit and financial data to determine borrower financing objectives and goals.
• Present appropriate Bank products and programs and explain guidelines.
• Advise of pricing and terms as required. Identify appropriate opportunities to sell additional products.
• Collect supporting loan documentation as required and provide complete package to the Mortgage Department.

• High School Diploma or equivalent education or experience.
• Sales experience within a residential lending environment.
• Effective verbal and written communication skills.
• Well organized with the ability to manage multiple tasks and work to time sensitive deadlines.
• Ability to work well independently and in groups.
• Working knowledge with Microsoft Office Programs;
  Excel and Word.
• Must be eligible to be registered in the Nationwide Mortgage Licensing System & Registry for purposes of SAFE Act.

• A bachelor’s degree in a business related field.

This is a full time position. Office hours Monday – Friday 8:30am – 5:00pm. Evening and weekend work may be required as job duties demand.

Travel using personal vehicle, occasional overnight travel. Valid driver’s license required.

Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers.

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• This is largely sedentary role, requiring use of typical office equipment such as a computer, laptop and phone.
• Ability to communicate both in person and/or by telephone.

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, employee is frequently exposed to outside conditions. The employee is occasionally exposed to a variety of extreme working conditions, such as construction sites. The noise level in the work environment or at certain sites can be loud.

Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Trustco Bank is an equal opportunity employer. It is the policy of Trustco Bank to afford equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status.

• Hiring, placement, upgrading, transfer, demotion or promotion
• Recruitment, advertising or solicitation for employment
• Treatment during employment
• Rates of pay or other forms of compensation
• Selection for training, including apprenticeship
• Layoff or termination

It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.