CRA MLO

Fifth Third; Georgia; On-site; USD 50,000 - 80,000; Full time

Job summary

Fifth Third Bank seeks a mortgage loan originator to manage the full lifecycle of residential loans from application to closing. You will build CRA-focused referrals, train potential applicants, and coordinate with underwriting and processing teams.

The role requires S.A.F.E. Act/NMLS registration and a strong sales and customer-service mindset, with an emphasis on accurate documentation and timely communication.

Qualifications

• High school diploma or equivalent mandatory.
• Four-year college degree preferred.
• Knowledge of conventional and/or government lending guidelines.
• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Knowledge of federal lending regulations governing real estate lending.
• Established local book of referral sources.
• Two years mortgage sales experience required.
• Existing mortgage sales of $800,000 per month.
• Strong written and verbal communications skills.
• Demonstrated teamwork and customer service skills.
• Proven computer skills.
• Basic sales technique skills.
• Strong desire to excel in a competitive environment.
• Registration: S.A.F.E. Act via NMLS at employment.
• MU4R questions and NMLS registration guidance available online.

Responsibilities

• Develop CRA prospects & referral contacts (realtors, builders, professionals).
• Maintain knowledge of mortgage policies and procedures.
• Maintain knowledge of loan products, processing, underwriting, and guidelines.
• Conduct and coordinate homebuyer-training seminars for CRA applicants.
• Handle employee loans and participate in company functions to promote them.
• Follow protocol for escalation of exceptions.
• Take applications by completing Fannie Mae 1003 on a laptop.
• Use the laptop for daily rates, credit reports, Loan Prospector, and transmitting the loan to LOMAS.
• Collect documentation and deliver loan packages on time.
• Manage pipeline from origination through closing and reporting.
• Provide timely updates to applicants and referral sources.

Skills

Mortgage sales

Customer service

Communications

Teamwork

Sales experience

Education

High school diploma

Bachelor's degree preferred

Job description

Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

General Function

GENERAL FUNCTION: Performs a wide range of duties relating to the origination of residential 1st mortgage loans for branch offices and outside referrals. Meets standards and objectives defined by management for mortgage loan sales and cross-selling objectives. Focuses on selling CRA products and services, targeting low to moderate-income individuals and areas, as well as non-profit organizations. Assumes overall responsibility for the residential mortgage loan from application to closing. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

Essential Duties and Responsibilities

• Develop CRA prospects & referral contacts (realtors, builders, professional and personal contacts).
• Maintain knowledge of Fifth Third Mortgage Company's policies and procedures.
• Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines.
• Conduct and coordinate homebuyer-training seminars for CRA potential applicants.
• Handle employee loans and participate in appropriate Fifth Third-coordinated functions to promote employee loans.
• Follow defined protocol for escalation of exceptions.
• Take applicant applications by completing Fannie Mae form 1003 on the laptop.
• Utilize the laptop for communication and access of daily rates, applicant credit reports, Loan Prospector responses, and transmitting the loan to LOMAS.
• Collect appropriate documentation from each applicant and deliver loan package in the time frames set by management.
• Manage pipeline for all originated loans through closing and complete required management reports.
• Communicate with applicants and/or referral sources by providing timely updates and progress reports.
• Maintain high levels of customer service while managing each applicant*s and support staff*s expectations.
• Attend and participate in all Consumer Lending meetings as required by management.
• This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS).

Minimum Knowledge and Skills Required

• High school diploma or equivalent mandatory.
• Four-year college degree preferred.
• Knowledge of conventional and/or government lending guidelines.
• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Knowledge of federal lending regulations governing real estate lending.
• Must have an established local book of referral sources.
• Must have two years for mortgage sales experience.
• Must have existing mortgage sales of $800.000 per month.
• Demonstrated organizational skills.
• Strong written and verbal communications skills.
• Demonstrated teamwork and customer service skills.
• Proven computer skills.
• Basic sales technique skills.
• Strong desire to excel in a competitive environment.
• This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS).
• The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.

Compensation & Benefits

Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance.

More information can be obtained upon request.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being.

Location

Summerville, South Carolina 29483

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.