Mortgage Loan Originator

Northwest; Bellevue (Allegheny County); Hybrid; USD 60,000 - 110,000; Full time

Job summary

Northwest is seeking a Mortgage Loan Originator to proactively solicit new residential mortgage business in the Bellevue area. You will develop relationships with referral sources, review applications, and guide applicants through loan options.

The role requires 3–5 years of origination experience, knowledge of conventional and government loan products, and proficiency with Encompass and pricing engines. On-site collaboration and compliance with regulations are essential.

Qualifications

• 3–5 years mortgage origination or sales experience.
• Knowledge of conventional, government loan products, and guidelines.
• NMLS registration/SAFE Act annual renewal.

Responsibilities

• Submit complete credit applications with supporting documentation.
• Develop and maintain relationships with internal and external referral sources.
• Prospect new mortgage lending opportunities and solicit business.
• Review applications and determine appropriate loan products and pricing.
• Counsel applicants to deliver the best loan products for their needs.
• Achieve production and quality goals while ensuring compliance.

Skills

Sales skills

Networking

Communication

Time management

Team collaboration

Education

High School Diploma

Tools

Ellie Mae-Encompass

Loan Product Advisor

Optimal Blue pricing engine

Job description

**Job Description**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**Additional Essential Functions**• 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• Work as part of a team• Work with on-site equipment**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.**Work Experience**• 3 - 5 years mortgage origination or sales experience **Education**• High School Diploma **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 goalsKnowledge of banking industry laws, regulations, and the retail origination processKnowledge of conventional, government loan products and guidelines including Fannie Mae, Freddie Mac, FHA, USDA-Rural Housing and VA loansKnowledge of Ellie Mae-Encompass Loan Origination software, Freddie Mac – Loan Product Advisor and Optimal Blue pricing engineKnowledge of retail mortgage loan pricingSales skills with the ability to turn prospects into customersStrong networking and organizational skillsAbility 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