Mortgage Originator

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Compensation for this role is primarily variable and based on commissions.

Mortgage Originator

Residential Lending

At Five Star Bank, our people are our greatest competitive advantage. As a Mortgage Loan Originator, you will use your expert knowledge of mortgage products and services and an advice‑led approach to deliver personalized residential real estate solutions and build lasting relationships. You will drive productive sales and service activities, develop new business by educating existing and potential clients and exemplify Five Star Bank’s HEART values.

The ideal candidate will possess a referral source network and/or target audience whose mortgage needs can be satisfied with a traditional array of products sold on the secondary market including Freddie Mac, FHA, VA, USDA and SONYMA.

• Develop new business by cultivating leads from external referral sources such as realtors, home builders, attorneys, and financial planners. Maintain an ongoing relationship with these sources to foster ongoing referral business.
• Work with internal business partners such as branch staff, commercial lenders, small business lenders and wealth management staff to identify prospects and leads. Stay knowledgeable on bank products and services and actively contribute to business development goals through cross‑sell opportunities, submitting referrals to other lines of business.
• Keep current and compliant with industry standards and government regulations and serve as subject matter expertise with all mortgage products such as Freddie Mac, Sonyma, VA, FHA and USDA. Adhere to bank policies and procedures.
• Actively promote Five Star Bank projecting a positive and professional image through participation in relevant community and professional activities to expand and enhance networking opportunities for generation of leads and community interest.
• Interview loan applicants and assist applicants with identifying the products that best meet their needs. Collect financial data & documents and submit a complete loan application for processing. Monitor the loan process from origination to closing acting in the role of liaison between the Bank and the applicant.
• The CRM tool for Five Star Bank is Salesforce. The originator will receive training on the system and is expected to know how to send and receive referrals from this system. They are expected to use Salesforce in their daily correspondence with other internal partners at the Bank.
• Demonstrate the standards and principles of the Five Star Bank experience in every interaction with internal and external customers and associates. Incorporate the high performance behaviors of teamwork, leading by example and service in every facet of work.

• Education:
  
  High School Diploma. Bachelor's Degree preferred.
• Prior
  
  Experience:
  
  1+ years in the financial services industry. Prior Mortgage experience preferred.
• Licenses or Accreditation:
  Register with Nationwide Mortgage Licensing System Registry (NMLS) and obtain a unique identifier that is provided to consumers in accordance with all SAFE Act requirements. Renew registration with NMLS annually. Maintain and update personal registry information as necessary to include name changes, employment changes, etc.

• Excellent verbal and written communication skills
• Excellent organizational skills with the ability to work well under pressure and manage multiple priorities to meet established deadlines
• Ability to develop strong working relationships and interact with all levels of staff and management
• Possess analytical ability to interpret and utilize data to make appropriate recommendations ensuring compliance with regulations and policies/procedures
• Strong sales orientation while being customer focused; strong servicing skills
• Possess a high level of attention to detail to ensure accuracy
• Working knowledge of Microsoft Office applications and loan origination systems with the ability to learn and utilize new and existing banking software applications

• Able to regularly sit for prolonged periods of time.
• Able to regularly stand for prolonged periods of time.
• Able to travel occasionally throughout the footprint.
• Extensive computer usage is required.
• Ability to work:
  Evenings - occasionally
• Weekends - occasionally

This job description is not exhaustive. The Mortgage Originator may be required to perform other duties as assigned.