Mortgage Loan Originator - Huntsville, AL (LO)

Why Silverton Mortgage: • We are a people first organization that was voted a top place to work by the Atlanta Journal and Constitution and the Financial Services Industry • We believe in giving back and we do so through The Silverton Foundation • Our strong communication skills drive customer satisfaction • We offer extensive product lines and maintain an in-house loan process that offers a competitive edge • We have fun! Schedule: In Office Pay: Compensation for this position is based solely on commission. The Mortgage Loan Originator (MLO) reports to a direct Branch Manager and is responsible for originating residential mortgage loans that meet Silverton’s guidelines. The MLO is responsible for abiding by and remaining in compliance with all Federal and State laws governing the mortgage industry, as well as any additional applicable laws in the states in which Silverton is currently licensed. Responsibilities and Duties o Maintain active Mortgage Loan Originator licensure and keep current information in the National Mortgage Licensing System. o Abide by Silverton’s company-specific compliance policies, including but not limited to Silverton’s Anti-Money Laundering policies, Safeguard Governance, Regulation Z, Red Flag, RESPA and other policies. o Meet production guidelines as established by the Branch Manager. o Originating the file, quote, making application, disclosing within RESPA, Reg Z and Fair Credit and Reporting guidelines and requesting all required documentation from the client. o Communicate the loan process to your borrowers, fully describing the borrower’s responsibilities during the loan application and loan term. o Verify information provided by your borrower, completing the application review and preparing the file for submission to underwriting, meeting all conditions. o Submitting files into processing. o Self-managing your time and structuring work hours when companies are open and consumers are available to ensure that you are available to your customers as well as to Silverton’s support staff. o Generating your own leads. As a general rule, Silverton does not provide leads to MLOs. Your business should be built on referrals from existing customers and contacts. Education, Knowledge, Experience o Meet and comply with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS. o Preferred minimum of 2 years of residential mortgage origination o Documented residential mortgage loan volume in the past 12 months o Established relationships with local referral networks Skills o Ability to communicate clearly, effectively using both verbal and written communication, across a variety of audiences o Strong computer skills, experience utilizing laptop technology and loan originator software o Excellent time management Technology Proficiencies o Internet Explorer o Microsoft Office o LOS System Silverton Mortgage is committed to creating an inclusive workplace. Silverton Mortgage is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Business Unit - Silverton Mortgage At Silverton Mortgage, our success is always a team effort. We credit our years of growth and success to the trust of our clients and the hard work of the talented individuals on our team. We exist to give our customers the best mortgage loans, ensure our team members have the best place to work, and to share our success by giving back to our communities. Named a Top Workplace by Top Workplaces USA year over year. Recognized in Atlanta Business Chronicle for multiple years as one of the Best Places to Work, and as a Top Workplace in both the Atlanta Journal-Constitution and Charlotte Observer. Don’t leave your future to chance! Build your future with us.