CRA Mortgage Loan Originator

Fifth Third; United States; Sur place; USD 65 000 - 100 000; Plein temps

Résumé du poste

Fifth Third Bank in Columbus, Ohio is seeking a Residential Mortgage Loan Originator to manage the full loan process from application to closing, including CRA-focused outreach to low- to moderate-income communities and non-profit organizations. You will develop referral networks, stay current with policies, coordinate training, and maintain a high level of customer service while meeting sales and risk guidelines.

The role requires NMLS registration and a proven local book of business.

Qualifications

• Two years of mortgage sales experience.
• Knowledge of conventional and government lending guidelines.
• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Must be able to establish a local book of business.
• Familiarity with NMLS registration requirements.

Responsabilités

• Originate residential first mortgage loans and manage the process from application to closing.
• Develop CRA prospects and referral contacts (realtors, builders, professionals).
• Maintain knowledge of policies, procedures, products, and guidelines.
• Coordinate homebuyer training seminars for CRA applicants.
• Communicate timely updates and progress to applicants and referrals.

Connaissances

Mortgage sales

Communication

Organizational

Customer service

Computer skills

Sales techniques

Teamwork

Written/verbal communication

Formation

High school diploma

Bachelor's degree preferred

Outils

LOMAS

Description du poste

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).
• The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.

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 two years of mortgage sales experience.
• Must have an established local book of business.
• 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.

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day. 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. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.

LOCATION – Columbus, Ohio 43231

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.

We are a bank that's as long on innovation as it is on history. Since 1858, we've been helping individuals, families, businesses and communities grow through smart financial services that improve lives. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation's highest performing regional bank, but to be the bank people most value and trust.