*River Bank & Trust voted Best Company to Work For by Business Alabama*

Mortgage Loan Originator
FLSA Status: Non-Exempt

RB&T Mission Statement:

As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals.

Position Summary:

River Bank & Trust is looking for a Mortgage Loan Originator (MLO) that is prepared to make a difference in the lives of our customers, by providing unmatched knowledge and customer service. This is achieved by uncovering the customer's needs through early discussions, recommending the best mortgage product available, and helping the customer throughout each step of the process to get the loan closed in a timely manner.

Essential Duties and Responsibilities:
Reasonable accommodations may be made to enable individuals with disabilities to perform the
essential functions. The essential functions include, but are not limited to the following:

- Interview customers to determine their mortgage needs
- Responsible for collecting financial information & evaluating creditworthiness and eligibility
to obtain a mortgage loan
- Guide the customer through their options and throughout the process
- Prepare and submit mortgage loan applications
- Ensure data are in line with national and local financial guidelines
- Keep the customer informed throughout each step of the process
- Help resolve problems/conflict with applications
- Ensure compliance with privacy laws and confidentiality throughout the process
- Build and maintain customer relationships, internal referral network, and community
involvement

Minimum Qualifications:

- High School diploma or equivalent
- At least (2) years' experience in related or equivalent mortgage banking
- Knowledge & understanding of real estate lending criteria, compliance, federal/state
regulations, loan origination and servicing software

Skills, Abilities & Expectations:

- Be familiar with and follow policy and procedures, and support Management's decisions
and goals in a positive, professional manner.
- Stay abreast of regulatory requirements and complete annual compliance training
applicable to the position
- Assuring customer service is top priority whether internally or externally; treating
customers and employees professionally, with courtesy and respect
- Ability to work in a fast-paced team environment, handle multiple tasks, and prioritize work
- Detail oriented and organized
Mortgage Loan Originator Job Description
- Ability to analyze financial information
- Excellent interpersonal and communication skills
- Integrity, discretion, and respect for confidential information are absolutely essential
- Willingness to adapt to change
- Work within a variety of different software and web applications
- Able to prioritize duties and effectively manage time
- Analytical and problem-solving skills
- Attend work on a regular basis, on time, and withstand varying degrees of stress
- Excellent interpersonal and communication skills
- Maintaining a professional, business-like appearance and demeanor
- Proficiency in Microsoft Office products to include: Word, Excel, and Outlook

Physical Demands:

The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit;
talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk;
reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special
vision requirements include close, distant, and peripheral vision; depth perception; and the
ability to adjust focus. The noise level in the work environment is usually moderate. The work
environment and physical demands are those of a standard retail branch setting. Reasonable
accommodations may be made to enable individuals with disabilities to perform the essential
functions of the job.

Disclaimer:

The above information has been designed to indicate the general nature and level of work
performed within this job. It is not designed to contain or be interpreted as a comprehensive
inventory of all duties, responsibilities, and qualifications required of employees assigned to the
job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of
stress. This position description describes the minimum selection requirements to qualify for the
position. Promotion and other employment decisions are based on employer needs, being in
good standing, fully competent performance, and other non-discriminatory subjects.