Field Mortgage Loan Originator - Community Lending

First Mutual Holding Company; Martinsville (VA); On-site; USD 50,000 - 80,000; Full time

Job summary

First Mutual Holding Company in Martinsville, VA is seeking a Mortgage Loan Originator to originate residential and commercial loans by meeting customers and working with real estate professionals.

You will respond to inquiries, stay current on lending regulations, promote CRA programs, cross-sell products, and build vendor relationships while delivering excellent service.

Qualifications

• 2–4 years of experience in financial services or banking with strong knowledge of banking laws and regulations.
• NMLS certification is required.
• High School Diploma or equivalent is required; Bachelor's degree is preferred.
• Proficiency in MS Office (Outlook, Excel, Word) and Cleartouch experience is preferred.

Responsibilities

• Originates 1–4 family residential and commercial loans by meeting customers and contacting realtors.
• Responds to inquiries about loan products and applications.
• Stays up to date on banking regulations and the association's lending policies.
• Promotes the association's Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods.
• Cross-sells lending and savings products.
• Manages relationships with service providers and vendors; develops performance metrics.
• Other duties as required.

Skills

Resilience

Communication

Service Orientation

Interpersonal skills

Business Acumen

Organizational Skills

Education

High School Diploma or equivalent

Bachelor's degree preferred

Tools

MS Office (Outlook, Excel, Word)

Cleartouch

Job description

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Description

Position Summary:

The Mortgage Loan Originator originates first mortgage loans and home improvement loans for consumers.

Duties and Responsibilities:

1. Originates one-to-four family residential and commercial loans by talking with customers and by contacting realtors, builders, etc.; engages in sales efforts at the customer's home or place of business and away from the bank's place of business or any office maintained for loan production business purposes.
2. Responds to customer/contact inquiries regarding the association's loan products and customer's applications.
3. Keeps up-to-date on government regulations and the association's policies and procedures regarding lending; participates in quarterly compliance training on banking regulations for industry.
4. Promotes the association's Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods.
5. Projects a positive image of the association and make sales contacts by participating in community activities, organizations, and business-related functions.
6. Cross-sells and keeps up-to-date on the association's entire product line including both lending and savings products.
7. Knows, understands and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
8. Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable.
9. Other duties as required.

We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Requirements

Necessary competencies:

1. Resilience
2. Communication
3. Service Orientation
4. Interpersonal skills
5. Business Acumen
6. Decisiveness
7. Organizational Skills

Qualifications and Skills:

1. 2 - 4 years of experience in financial service or banking is required along with strong understanding of banking laws, regulations and guidelines is required.
2. Certification: NMLS is required.
3. High School Diploma or equivalent is required; Bachelor's degree is preferred.
4. Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. Cleartouch experience is preferred.

Physical Environment

• While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
• The employee must occasionally lift and/or move up to 25 pounds.
• The noise level in the work environment is usually quiet to moderate.
• This position is customarily and regularly performed outside of an office setting and hours of work are not structured.

Salary Description

$45,000 - $55,000 + Commission