Mortgage Loan Originator II or III - Phoenix

Job Summary

The Mortgage Loan Originator originates mortgage loans for both our in-house portfolio & secondary market, as well as cross sells other bank products. The MLO actively solicits new residential mortgage business and sells Bankers Trust products to meet established loan quality and production goals.

• Business Development:
  • Maintains professional presence with centers of influence and members of referral communities, i.e. realtors, builders, non-profit housing organizations, attorneys, appraisers, and bank colleagues
  • Maintains and monitors pipeline reports to ensure volume and quality are consistent with the Bank's goals and objectives, policies and procedures
  • Develops leads on potential loan sources for business development and loan solicitation purposes
  • Stays abreast of trends and developments in the local real estate market and competitive environment, as well as changes in rules and regulations
• Production Requirements & Cross Selling:
  • Responsible for cross-promotion of all Bankers Trust products and services (including, but not limited to, Retail Banking products)
  • Maintains minimum production for mortgage loan originations in accordance with Smart Goals
  • Promotes and delivers quality internal and external customer service
  • Obtains, verifies and completes required information and documentation necessary for compliance and processing of loan applications
• Collaboration with Team Members:
  • Collaborates with colleagues to assure excellence in products and services
  • Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing. This includes, but is not limited to, credit counseling to and pre-qualifying potential home buyers
  • Obtains applications and then partners with processors to ensure complete and compliant loan packages
• Marketing:
  • Assists in formalizing and implementing sales strategies and marketing approaches
  • Responsible for expanding referral networks through marketing and prospecting activities
  • Performs other duties as assigned

• Mortgage Loan Originator II
  • College Degree preferred or high school diploma/GED with equivalent experience
  • At least four years of previous mortgage lending experience preferred
  • Previous book of business over the past three years required
  • Active NMLS in good standing without previous actions on record
• Mortgage Loan Originator III
  • College Degree preferred or high school diploma/GED with equivalent experience
  • At least six years of previous mortgage lending experience required
  • Previous book of business over the past three years required
  • Active NMLS in good standing without previous regulatory actions on record is required

• Knowledge of FNMA, FHLMC, FHA, VA, Rural Development and jumbo guidelines and general underwriting policies and guidelines for all investors and agencies
• Knowledge of all Federal and State mortgage regulations, including but not limited to, HMDA, TRID, Reg B, Reg C, Reg Z, and RESPA

• Group Health, Dental, and Vision Insurance
• Generous Paid Time Off (PTO)
• Volunteer Time Off (VTO)
• 401(k) plan with lucrative company match
• Tuition assistance
• Company Paid Life Insurance
• Paid Parental Leave
• Lifestyle Accounts that provide employees with reimbursement for the things that are most important to them such as childcare, student loan payments, gym memberships, pet insurance and much more.
• Team Member Banking - a suite of products and services with special benefits for employees

Position may be eligible for a hybrid work schedule (requiring some days in the office each week).

PROTECTED VETERANS AND INDIVIDUAL WITH DISABILITY