What are the responsibilities and job description for the Mortgage Originator position at Citizens National Bank?
Job Description
Mortgage Originator
Classification: Exempt
Reports to: Mortgage Production Manager
Summary/Objective
The Mortgage Originator is responsible for continually identifying, developing and maintaining a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Originator’s network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer’s regular participation in business related development opportunities & community efforts.
Primary Functions
Supervisory Responsibility
Generally, this position does not have direct supervisory responsibility. May play a role in prioritizing the work load for a number of support positions including processors.
Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
Physical Demands
This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. Evening and weekend work may be required as job duties demand.
Travel
Travel is expected for this position.
Required Education And Experience
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Mortgage Originator
Classification: Exempt
Reports to: Mortgage Production Manager
Summary/Objective
The Mortgage Originator is responsible for continually identifying, developing and maintaining a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Originator’s network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer’s regular participation in business related development opportunities & community efforts.
Primary Functions
- Prospects for new mortgage lending opportunities, both internally and externally.
- Responds to referrals.
- Maximizes personal productivity. Has the desire to maximize personal productivity through self-marketing, self-motivation and bank budget goals.
- Dedicates time developing (prospecting/hunting) a network of referral source relationships of realtors, builders and others that can refer those with mortgage financing needs.
- Completes mortgage applications for submission to the loan processing and underwriting departments.
- Evaluates loan requests, analyzes financial data and determines qualification of collateral and customer credit history.
- Maintains contact with loan customers, communicating progress of loan and obtaining any required documentation.
- Actively participates in opportunities to expand knowledge of new loan programs/types, investor specials and other mortgage financial products.
- Manages all aspects of an assigned portfolio of loans and relationships.
- Complies with acceptable lending practices and state and federal regulations.
- Handles customer service matters and inquiries for lending and non-lending issues.
- Monthly production volume of $600,000.
- Participates in community activities and organizations.
- Refers appropriate banking opportunities to other departments and personnel.
- Cross sells all company products and services.
Supervisory Responsibility
Generally, this position does not have direct supervisory responsibility. May play a role in prioritizing the work load for a number of support positions including processors.
Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
Physical Demands
- Prolonged periods working at a desk
This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. Evening and weekend work may be required as job duties demand.
Travel
Travel is expected for this position.
Required Education And Experience
- High School Graduate or GED and either Associate’s Degree or 4 years of related experience.
- Must be proficient in Microsoft Word and Excel and other necessary software for efficiency.
- Excellent verbal and written communication skills and ability to build relationships.
- Bachelor’s Degree or more than 5 years of related experience.
- Ellie Mae Encompass experience.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
Salary : $600,000