External Residential Mortgage Loan Originator

The External Residential Mortgage Loan Originator (MLO) is responsible for soliciting and originating residential mortgage loans from sources outside the Bank while ensuring high-quality customer service and loan quality. Successful candidates will have a proven track record of loan origination, business development, and relationship management in their local market through existing referral partners and centers of influence. Positions available throughout Florida and/or other United States markets for qualified candidates.

• Attract new mortgage loan applications through existing relationships, specifically with realtors, builders, investment advisors, other referral partners and centers of influence.
• Regularly make sales visits to referral partners and centers of influence, marketing the Bank's mortgage loan products and services accurately and effectively, including explanation of risks and benefits.
• Interview prospective customers to understand their needs and explain mortgage products and terms.
• Obtain relevant information (data and documents) and evaluate prospective customers’ financial status, including credit, employment, income, assets, and appraisal report(s), to establish recommendation for loan approval.
• Consistently communicate with prospective customers, including status of loan applications, answering questions, explanation of underwriting conditions including additional documentation needed and scheduling of closing.
• Maintain current knowledge of all applicable lending regulations, agency, government and investor guidelines along with the economy, interest rate environment, vendors, and competitors.
• Conduct all business in a professional and ethical manner to serve customers and increase the goodwill of the Bank.
• Ensure BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
• All other tasks, responsibilities, or duties, as directed by management.

• Active NMLS Mortgage Loan Originator License or ability to attain is required.
• Minimum two years of mortgage origination experience with own referral network.
• Proven track record of meeting or exceeding production goals.
• Superior sales skills combined with a service mentality.
• Excellent written and verbal communication skills required.
• Ability to thrive in fast-paced environment.
• Encompass knowledge preferred.
• Optimal Blue knowledge preferred.

• Seniority level:
  Entry level
• Employment type:
  
  Full-time
• Job function:
  Finance and Sales
• Industries:
  Banking