Outside Mortgage Sales Loan Originator

Education

A B.S. or B.A. degree in a business-related field or equivalent knowledge.

A B.S. or B.A. degree in a business-related field or equivalent knowledge.

A minimum of two (2) years of experience in related positions normally required.

• Proficient reading, writing, grammar, and mathematics skills.
• Thorough knowledge of current mortgage lending regulations, i.e., Reg. B, RESPA, HMDA, Reg. Z, etc.
• Excellent interpersonal relations, communication and sales skills.
• Proficient PC skills.
• A working knowledge of bank operating policies and procedures which impact mortgage loan services.
• A thorough knowledge of the features and benefits of all bank mortgage loan products and services.
• A thorough knowledge of the mortgage lending documents.
• A thorough knowledge of real estate law and credit underwriting guidelines.
• Visual and auditory skills.
• Valid driver s license.
• Ability to work flexible schedule.

Responsible for actively participating in the bank's sales and business development program; performing various duties to develop new mortgage business, including but not limited customarily and regularly engaging in sales activities away from the Bank’s offices and any home office; reporting pertinent information to the immediate supervisor and providing required information on sales and service activities; maintaining a current knowledge of applicable laws and regulations.

• Actively participates in the bank's sales and business development program as follows:
• Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be done in conjunction with the Mortgage Division's annual marketing/sales plan; achieves these objectives.
• Solicits, via in-person, off-site contact whenever possible, new business from both present and prospective customers; maintains ongoing contacts with present customers in order to enhance cross‑selling activities; maintains detailed records of meetings with prospective or present customers.
• Serves as a member of the bank's sales team and works with other members of the sales/service team in striving to increase sales opportunities.
• Performs a variety of duties to develop new mortgage business including, but not limited to, the following:
• Develops relationships with customers, realtors, and community and civic organizations to generate new business.
• Locates and contacts prospective customers to present the bank's financial services and to ascertain banking needs.
• Develops financial plans based on type of loan services as required by customers.
• Spends time engaged in sales activities each week away from the Bank’s offices and away from any home office.
• Reports pertinent information to the immediate supervisor as requested, or according to an established schedule, i.e., reports weekly sales activities to the Residential Mortgage Manager; compiles information as necessary or as directed; provides sales information on a timely basis in order that this information may be included as part of monthly and year‑to‑date sales performance reports.
• Maintains a current knowledge of laws and regulations which impact mortgage banking services.
• Coordinates departmental tasks with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties.
• Responds to inquiries relating to his/her particular area, or to requests from customers, other bank personnel, etc., within given time frames and within established policy.
• Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal…