Mortgage Development & Originator

GENERAL DESCRIPTION OF POSITION

Solicits residential mortgages through contacts with Realtors, builders, and developers. Develops referral relationships with Community Development Organizations and participates in Community Development activities. Interviews loan applicants and makes credit decisions.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Work with assigned branch office to ensure awareness of home loan products. This duty is performed daily.
2. Handle referrals from branch office and provide appropriate follow-up. This duty is performed daily.
3. Develop referral contacts (realtors, builders, professional and personal contacts). This duty is performed daily.
4. Analyze financial data to determine creditworthiness. This duty is performed daily.
5. Maintain knowledge of available loan products, processing procedures and underwriting guidelines. This duty is performed daily.
6. Take borrower applications. This duty is performed daily.
7. Utilize communication and access of daily rates, credit reports and DU responses and transmitting to processor. This duty is performed daily.
8. Collect appropriate documentation from each applicant and deliver loan package to processor in a timely manner. This duty is performed daily.
9. Maintain high levels of customer service while managing each applicant's and support staff's expectations. This duty is performed daily.
10. Attend and participate in all lending meetings as required. This duty is performed as needed.
11. Complete BSA/AML training and other compliance training as necessary. This duty is performed as needed.
12. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.
13. Develop referral contacts with Community Development Organizations. This duty is performed daily.
14. Attend Community Development meetings to build and strengthen relationships. This duty is performed weekly.
15. Represent bank at various civic, charitable, educational, and social affairs in order to develop and expand relationships. This duty is performed weekly.
16. Makes presentations on financial education to groups to attract new business. This duty is performed monthly.
17. Attend and participate in CRA Development meetings and trainings as required. This duty is performed as needed.
18. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 4 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to read, analyze, and understand general business/company related articles and professional journals; Ability to speak effectively before groups of customers or employees.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

This position requires Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site provides the MU4R questions and registration required for employment in this position.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: 10-Key, Accounting

WORKING CONDITIONS

Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is frequently required to sit; and occasionally required to stand, walk, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; depth perception; and ability to adjust focus.

ADDITIONAL INFORMATION

Mortgage Loan Originator who also focuses on Community Development training and activities.

The position may require the use of a vehicle to service customers, administer or participate in civic events, commute to company-owned properties, commute to company-related places of business, or any other purpose considered necessary to the job. Therefore, this position is classified as a safety sensitive position.