Senior Mortgage Loan Originator

Senior Mortgage Loan Originator

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General Function : Performs a wide range of duties relating to the origination of residential 1st mortgage loans. Meets standards and objectives defined by management for mortgage loan sales and One Bank partnership objectives. Assumes overall responsibility for the residential mortgage loan from application to closing. Works in conjunction with sales leadership to develop assigned Mortgage Loan Consultant while educating said Mortgage Loan Consultant on all aspects of the mortgage loan business.

Essential Duties and Responsibilities :

• Develop sustainable and consistent referral relationships (realtors, builders, professional and personal contacts).
• Maintain knowledge of Fifth Third Mortgage Companys policies and procedures, available loan products, processing procedures, and underwriting and general departmental guidelines. Completes all required training on time.
• Works with senior leadership to develop coach and train assigned Mortgage Loan Advisor on behaviors and activities required to development and sustain internal and external referral sources.
• Works with senior leadership to educate Mortgage Loan Advisor on all aspects and components of the mortgage loan originator position.
• Work with senior leadership to help Mortgage Loan Advisor master skillset required to facilitate the loan from origination through closing.
• Follow defined protocol for escalation exceptions.
• Take applications by completing URLA on laptop.
• Utilize available technology and support for communication and access of daily rates, applicant credit reports, origination of loan files and uploading of files to operations to the fullest.
• Collect appropriate documentation from applicant(s) and deliver loan package in the time frames set by management.
• Manage pipeline for all originated loans through closing and complete required management reports.
• Communicate with branches and / or applicants of providing timely updates and status reports.
• Maintain high levels of customer service while managing each applicants and Fifth Third expectations.
• Attend and participate in all Mortgage and Consumer Lending sales meetings, calls and training as required by management.
• Collect application fees on loan applications per policy.
• Participate in One Bank making appropriate referrals to other lines of business.

Minimum Knowledge and Skills Required :