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Northwest Bank
Independence, OH | Full Time
$63k-87k (estimate)
3 Weeks Ago
MORTGAGE LOAN ORIGINATOR
Northwest Bank Independence, OH
$63k-87k (estimate)
Full Time | Lending & Credit 3 Weeks Ago
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Northwest Bank is Hiring a MORTGAGE LOAN ORIGINATOR Near Independence, OH

The Mortgage Loan Originator is responsible for proactively soliciting new residential mortgage business through internal and external sources in an assigned geographic area. This individual will participate in business related development opportunities, professional organizations, and community efforts to promote homeownership.

Essential Functions
  • Ensure compliance with third party agencies and vendors
  • Ensure exceptional customer service experience throughout the loan origination process.
  • Interact with other team members and other departments in a professional manner
  • Submit complete credit applications with supporting documentation
  • Develop and maintain successful relationships with internal and external referral sources
  • Prospect new mortgage lending opportunities
  • Facilitate communication activities with customers and referral sources during loan origination process
  • Review applications, credit files, and customer qualifications to determine appropriate loan products and pricing
  • Counsel and coach loan applicants to assist them towards their goals and to deliver the best loan products for their needs
  • Request timely loan rate locks for Secondary Marketing
  • Maintain up-to-date knowledge of loan products including conventional, portfolio, FHA,VA, USDA-Rural Housing programs and secondary market rules
  • Achieve production and quality goals
  • Cross-sell other Northwest products and services to loan applicants
  • Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
  • Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education
High School Diploma preferred
Work Experience
3 - 5 years Mortgage origination or sales experience preferred
General Employee Knowledge Skills and Abilities
  • Ability to establish effective working relationships among team members and participate in solving problems and making decisions
  • Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written
  • Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information
  • Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information
  • Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas
Additional Knowledge, Skills and Abilities
Ability to successfully meet production and quality goals
Knowledge of banking industry laws, regulations, and the retail origination process
Knowledge of conventional, government loan products and guidelines including Fannie Mae, Freddie Mac, FHA, USDA-Rural Housing and VA loans
Knowledge of Ellie Mae-Encompass Loan Origination software, Freddie Mac – Loan Product Advisor and Optimal Blue pricing engine
Knowledge of retail mortgage loan pricing
Sales skills with the ability to turn prospects into customers
Strong networking and organizational skills
Ability to work collaboratively and manage multiple deadlines and priorities
Licenses and Certifications
Nmls Registry Per the SAFE Act, annual renewal as a condition of employment


Licenses & Certifications

Required
  • NMLS REGISTRY

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Job Summary

JOB TYPE

Full Time

INDUSTRY

Lending & Credit

SALARY

$63k-87k (estimate)

POST DATE

04/13/2024

EXPIRATION DATE

06/12/2024

WEBSITE

northwest.bank

HEADQUARTERS

SYRACUSE, IN

SIZE

25 - 50

FOUNDED

2007

CEO

HEATH SINCOE

REVENUE

$5M - $10M

INDUSTRY

Lending & Credit

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The job skills required for MORTGAGE LOAN ORIGINATOR include Mortgage Loans, Loan Origination, Pricing, Customer Service, Products and Services, Microsoft Office, etc. Having related job skills and expertise will give you an advantage when applying to be a MORTGAGE LOAN ORIGINATOR. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by MORTGAGE LOAN ORIGINATOR. Select any job title you are interested in and start to search job requirements.

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The following is the career advancement route for MORTGAGE LOAN ORIGINATOR positions, which can be used as a reference in future career path planning. As a MORTGAGE LOAN ORIGINATOR, it can be promoted into senior positions as a Mortgage Loan Officer III that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary MORTGAGE LOAN ORIGINATOR. You can explore the career advancement for a MORTGAGE LOAN ORIGINATOR below and select your interested title to get hiring information.

If you are interested in becoming a Mortgage Loan Originator, you need to understand the job requirements and the detailed related responsibilities. Of course, a good educational background and an applicable major will also help in job hunting. Below are some tips on how to become a Mortgage Loan Originator for your reference.

Step 1: Understand the job description and responsibilities of an Accountant.

Quotes from people on Mortgage Loan Originator job description and responsibilities

Mortgage loan officers also collect and verify all required financial documentation from applicants.

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This person helps the home buyer or refinancer choose a loan, and understand all the rates and terms associated.

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Experienced originators learn the field and know how the system works.

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Good mortgage loan originators will go out of their way to make sure that their clients understand what the mortgage process entails, especially first-time home buyers.

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As a mortgage loan originator, Alter will be responsible for originating mortgage purchases, refinances and home equity loans.

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Step 2: Knowing the best tips for becoming an Accountant can help you explore the needs of the position and prepare for the job-related knowledge well ahead of time.

Career tips from people on Mortgage Loan Originator jobs

Good loan originators typically work hard to develop new business opportunities whenever possible.

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Monitor the application process.

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Loan Officers Genuinely Help People.

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Three to five years experience as a Real Estate Loan Originator.

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Employers typically prefer those possessing the following skills – a strong understanding of state and federal laws, ability to check the accuracy of the applications; good knowledge of accounting and finance, a solid understanding of how sales pipelines

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Step 3: View the best colleges and universities for Mortgage Loan Originator.

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