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About the Role

Originate portfolio loans, secondary market conventional, FHA, VA and RD loans that comply with investor requirements and all State and Federal laws and regulations. Promote Bank products and services to existing and potential clients in the community.

Responsibilities

• Provides expert mortgage advice to potential borrowers
• Stays current with Bank's underwriting policy, Investor guidelines, Applicable State and Federal laws and regulations, and Changes in other aspects of the mortgage industry
• Develops and maintains referral networks of Bank associates and external referral sources
• Manages a clean pipeline of loans in process coordinating with Processors, Underwriters and Closers on a daily basis
• Delivers all compliance documents and disclosures in a timely manner
• Takes a complete application and collects all required documentation for verification
• Prepares the borrower(s) for the process and keeps all parties involved up to date on the status of the application
• Informs applicant of closing costs
• Coordinates the closing with the borrower(s), closing agents, Realtors and others involved in the transaction
• Interviews loan applicants to document income, debt, and credit history
• Determines if applicant meets establishment standards for further consideration
• Answers applicant's questions and asks for signature on information authorization forms
• Submits application forms to Mortgage Loan Processor for verification of application information
• Calls applicant or other persons to resolve discrepancies
• Informs applicant of loan denial or acceptance
• Keeps Bank associates up to date on changes in the industry and works as a team member with the other lines of business
• Keeps all compliance requirements up to date and maintains a working knowledge of the products and services provided by the other lines of business and Bank affiliates
• Complies with all applicable federal, state, and local banking and industry related laws and regulations including the Bank Secrecy Act

Requirements

• 2 years of sales experience required
• Requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008
• Must register or re-register on NMLS upon active employment
• Continued employment is contingent upon successful NMLS registration and annual renewal
• Information obtained during NMLS registration may impact employment
• Ability to travel if required
• Ability to work under stress and meet deadlines
• Ability to operate related equipment
• Ability to read and interpret documents
• Ability to lift/move/carry approximately 10 pounds if required

Skills

• Knowledge of all Mortgage laws, procedures, rules, regulations, etc. on a federal, relevant state, local and bank-wide basis
• Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, PowerPoint and Access
• Ability to learn or knowledge of Outlook email program
• Excellent communication skills
• Excellent analytical skills
• Excellent customer service skills
• Excellent organizational skills
• Ability to work effectively with all levels of personnel
• Strong presentation skills

Experience Level

• 2 years of sales experience
• 2 + years of Mortgage origination experience is preferred

Education Level

• Bachelor’s Degree preferred

Equal Opportunity

• All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.