Mortgage Loan Originator

Responsibilities

• Interviews applicants and requests appropriate credit documentation and specified information for loan application.
• Analyzes applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
• Compiles upfront compliance information and assures timeline requirements are met.
• Answers applicant questions.
• Corresponds with applicant to resolve questions regarding application information.
• Matches Applicant's Needs And Qualifications With Potential Loan Programs.
• Ensures loan meets selected program guidelines.
• Submits loan package to Processor for processing in a timely manner.
• Works closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
• Informs applicants of loan approval, denial or outstanding conditions.
• Handles correspondence with applicant in regards to locking of loan and handles actual locking process in accordance with current company procedures and requirements.
• Provides excellent customer service and solves customer related problems quickly.
• Maintains and enhances market awareness including economic information, housing data and competitive trends; based on this information, helps develop programs or recommends product enhancement to address customer needs.
• Maintains and enhances personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
• Establishes and maintains positive working relationships with Realtors, Business Partners and any other potential business sources. Supports and cultivates bank referrals and relationships.
• Communicates with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image.
• Performs other duties when assigned.