Mortgage Originator
Company: United Bank
Location: Summerville
Posted on: June 15, 2022
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Job Description:
Job DescriptionThe Mortgage Originator originates residential
mortgage loans in the secondary market, thereby providing a broader
array of mortgage loans products to our customers and enhancing the
bank's fee based income. The Mortgage Originator is to develop
referral relationships with realtors, builders, bankers and other
strategic partners for the purpose of generating residential
mortgages through ongoing sales efforts, including Bank's
Affordable Housing Loan Program. RESPONSIBILITIES: Meet with
customer or prospective customer to identify client needs and to
sell mortgage loan programs Interview applicants and requests
specified information for loan applications such as credit history,
income, assets, investments, debt, and other necessary
documentation such as information about the property Analyze
information provided by the customer and identifies customer needs
and recommends the appropriate Bank product offerings and options
Advise customers on the risks and benefits of an assortment of
mortgage loan options to achieve the mortgage loan that is most
appropriate based on their individual financial situation while
helping them achieve their financial goals Communicate with or
interviews applicants or creditors to resolve questions regarding
application information. Remain primary contact with borrower
during application to closing process to obtain documentation
necessary to facilitate the mortgage loan process Analyze potential
loan markets to develop prospects for loans. Develop new business
from multiple sources while retaining existing business. Develop
and maintain working relationships with realtors, builders and
other strategic referral partners. Responsible for knowing
underwriting guidelines and scenarios for conventions, FHA/VA, and
subprime mortgages and staying up-to-date on market conditions
Cross sell other Bank products to clients as the opportunity
arises. Maintains thorough knowledge of pricing and underwriting
requirements. Must be able to disclose and discuss parameters of
various programs including pricing, interest rates, and fees
associated with each loan program Submits complete loan packages
for processing and final underwriting approval. Maintains the
ability to pre-qualify clients at initial meeting. Based on the
location within a market, may be required to promote/discuss
consumer lending products with customers within compliance of the
Safe Act guidelines and United procedures. Based on the location
within a market, will be responsible for maintaining an active NMLS
license by completing all training and annual renewal requirements
as required QualificationsBachelor's degree or three years of
direct related experience or equivalent combination of education
and experience required. Proficiency in Microsoft Office Products
Must have working knowledge of underwriting guidelines and other
related regulations Strong sales environment demeanor Account
Management and customer service focused Strong attention to detail
and ability to multi-task Excellent written and verbal
communications skills Ability to identify potential banking
opportunities and comfortable work with prospective clients
Knowledgeable in automated underwriting engines and capable of
reviewing findings with a clear understanding of terms of approval
Ability to obtain strong product knowledge Ability to travel
frequently off-site of work location for client meetings or
business development functions and opportunities. Ability to work
flexible hours to meet the client and business development
requirements Ability to possess a NMLS license or obtain NMLS
license within a reasonable timeframe Ability to complete ongoing
NMLS training and ensure SAFE Act compliance as required KEY
COMPETENCIES: Ethical Interpersonal Skills Professional
relationship building and client management skills Professional
Sales focused Essential Functions: Sitting or standing for extended
periods of time. Sufficient dexterity of hands and fingers to
efficiently operate a computer keyboard, mouse and other computer
components. Ability to converse and exchange information with all
levels of staff within organization. Ability to observe, perceive,
identify, and translate data Ability to travel via air, rail,
automobile and/or bus.
Keywords: United Bank, Summerville , Mortgage Originator, Other , Summerville, South Carolina
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