Mortgage Loan Officer - Home Loans Division

Central Pacific Bank; Honolulu (HI); In loco; USD 70.000 - 100.000; Tempo pieno

Descrizione del lavoro

Central Pacific Bank is seeking a Mortgage Loan Originator in Honolulu, Hawaii. The candidate will manage relationships with realtors and referral partners to generate new mortgage loans, and must have a minimum of 3 years experience in the mortgage industry. Responsibilities include originating loans, interviewing applicants, and monitoring loan files throughout the process. A valid driver's license and NMLS registration are required. Join us in a supportive work environment where core values drive our success.

Competenze

• 3+ years of experience in the mortgage industry with solid knowledge of mortgage loans.
• Valid Driver’s License is required.
• Registration with the NMLS prior to performing duties as MLO.

Mansioni

• Originate and close residential mortgage loans.
• Interview applicants to determine mortgage qualification.
• Analyze financial situations to qualify for loans.
• Input customer information into the loan origination system.
• Make credit recommendations to underwriting representatives.
• Monitor loan file throughout the process.

Conoscenze

Active Listening

Effective Oral Communication

Effective Written Communication

Action and Solution Oriented

Thoroughness

Formazione

High School Diploma or GED

Descrizione del lavoro

Position Function

Responsible for managing relationships and generating new mortgage loans from Realtors, referral partners, prospective homebuyers and borrowers. Spends majority of their time performing outside sales and generating their own new mortgage production. Performs all duties and interacts with internal and external customers in a manner that is aligned with the Company's Core Values of “Voyaging Spirit” and “Positively Ohana”. Exhibits core competencies such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented, and Thoroughness.

Primary Accountabilities

• Directly originate and close a minimum level in residential mortgage loans per month (level to be determined and communicated by management).
• Interview applicants to determine their ability to qualify for a mortgage loan.
• Analyze the applicant’s financial situation to qualify for the correct loan amount and mortgage program that fits their individual needs.
• Input customer information into the loan origination system and other systems (e.g., automated underwriting, contact management) as needed.
• Make recommendations regarding credit decisions on residential mortgages to the underwriting representatives of HLD or various wholesale funding sources.
• Monitor loan file throughout the entire process up to and including recordation.

Minimum Qualifications

Education:

• High School Diploma or GED equivalency required.

Experience:

• 3+ years of experience in the mortgage industry with solid knowledge of mortgage loans, including qualifying criteria, individual product parameters and applicable regulatory requirements.

License/Certification:

• Valid Driver’s License required.
• Registration with the Nationwide Mortgage Licensing System & Registry (NMLS) required prior to performing any duties of a Mortgage Loan Originator (MLO).

Physical Requirements & Working Conditions

• Perform light physical work and move or lift items up to 20 pounds.
• Operate standard office equipment (phone, copier, personal computer, etc.) proficiently.
• Communicate clearly verbally and in writing with all internal and external customers.
• Hold and hear sufficiently for daily discussions and interactions.
• Read and understand bank-related documents.
• Work in a conventional office setting, involving sitting at a desk or workstation for long periods. Adapt to different work environments as needed to perform the job.

We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug‑free workplace and perform pre‑employment substance abuse testing.