Mortgage Loan Originator

A Mortgage Loan Originator is vital as the "door" through which mortgage loans can be made. This is a sales role with established sales goals. The MLO often has first contact with a customer or potential customer, thereby establishing the customer's impression of the Bank as a whole. The primary responsibility is to generate new customer relationships through active solicitation, to maintain the quality of existing loans and to oversee the mortgage lending process from application to close. The successful MLO will have a large customer base obtained through customer relationships and active participation within their community and continually search for new opportunities and understands the legalities of their role to advise fairly and properly.

Qualifications - MUST MEET MINIMUM QUALIFICATIONS FOR CONSIDERATION FOR EMPLOYMENT
* Two years minimum secondary market lending experience with a proven sales record is ideal. Less experience (in mortgage lending) could be considered depending on the nature of the experience.
* Must understand the legalities of mortgage lending and Bank guidelines in order to properly advise customers.
* Essential skills include initiative, organizational, the ability to multi-task and work under deadlines; to prioritize workload and to work independently according
     to Bank policies and procedures.
* Overall effective communication skills and the ability to present oneself professionally with customers, investors, realtors, attorneys, insurance agents and
     co-workers is imperative to success.
* Moderate knowledge of Word and Excel would be helpful; familiarity with Encompass would be a plus.
* Creativity to market the Bank would be helpful.
* A working knowledge of debits and credits and general accounting skills is desired.
* A valid driver’s license and reliable transportation is required. Must be available to attend after-hours functions and have flexibility to travel within the state.

Primary Objective - To solicit and recognize opportunities to assist the borrower with their mortgage lending needs in strict adherence to applicable federal and state rules and regulations and Bank policy and procedures.

Responsibilities – To generate new customer relationships through active solicitation, to maintain the quality of existing loans and to oversee the mortgage lending process as the main point of contact from application to close. Expectations - To strive to meet sales goals, to perform all job duties and other responsibilities as assigned and to follow all safety rules and regulations. Regular attendance according to the work schedule is necessary and essential as is receiving detailed information verbally, in person and by telephone. Extensive reading and computer use is expected the majority of the time.