Mortgage Loan Originator

HealthFitness; Brookhaven (MS); On-site; USD 42,000 - 65,000; Full time

Job summary

Talentify in Brookhaven, MS is seeking a mortgage loan specialist to help customers understand loan options, disclose fees, and gather the data needed to process mortgage requests. You will determine the best loan products (FHA, VA, Conventional, portfolio), guide applicants through pricing and documents, and build referrals while ensuring compliance.

You will work with the mortgage team to ensure accurate processing and timely service for borrowers from diverse backgrounds, contributing to

Qualifications

• Minimum 2 years’ experience originating agency eligible mortgage loans or equivalent underwriting/processing experience
• Eligible for NMLS certification
• Thorough knowledge of government and conventional mortgage guidelines and requirements
• Extensive knowledge of qualifying variables between mortgage loan products
• Ability to analyze all documentation for agency/portfolio requirements
• Knowledge of appraisal standards and acceptability
• Ability to produce tax return analysis per conforming loan guidelines
• Must disclose and handle all applications per compliance regulations
• Ability to work with varied borrowers and housing-related entities
• Knowledge of financial compliance and regulatory requirements
• Computer skills and basic analytical abilities

Responsibilities

• Determine the best loan product for customer
• Devise marketing plans to seek referrals from agents and builders
• Provide guidance for loan inquiries on pricing, documentation, payments, and closing costs
• Complete applications and gather documents for FHA, VA, Conventional, etc
• Develop referrals from internal and external sources; maintain realtor relationships
• Originate and promote Community Lending Loans and Products
• Coordinate and assist mortgage dept. in origination and servicing of Community lending products

Skills

Mortgage origination

NMLS certification

Mortgage guidelines knowledge

Tax return analysis

Documentation analysis

Compliance & regulatory knowledge

Interpersonal skills

Sales skills

Communication skills

Analytical skills

Computer skills

Education

Two-year college training

Job description

Overview

The purpose of this job is to serve all customers by providing mortgage loan information, disclose fees, and gather data necessary to process mortgage requests.

Responsibilities

• Determine the best loan product for customer
• Devise marketing plans to seek referrals from agents and builders
• Provide guidance for loan inquiries related to pricing, product information, documentation requirements, payments, closing costs and qualifying requirements
• Complete applications and gather documents as needed to meet the parameters of the loan type, i.e., FHA, VA, Conventional, portfolio, etc
• Develop referrals from internal and external sources. Maintain relationships with realtors by providing superior service
• Originate and promote Trustmark's Community Lending Loans and Products
• Coordinate and assist the mortgage dept. in the origination and servicing of Community lending products and services

Qualifications

• Minimum of 2 years’ experience originating agency eligible mortgage loans or equivalent experience in underwriting or processing of agency eligible mortgage loan products
• Eligible for NMLS certification
• Thorough knowledge of government and conventional mortgage loan guidelines and requirements
• Extensive knowledge of the qualifying variables between mortgage loan products
• Ability to analyze all documentation to determine accuracy and acceptability for agency and portfolio requirements
• Knowledge of appraisal standards and acceptability
• Ability to produce tax return analysis as required by conforming loan guidelines
• Must know how to fully disclose and handle all applications according to compliance regulations
• Ability to work and identify with a varied group of borrowers, housing related entities and other community-based organizations
• Working knowledge of financial compliance and regulatory requirements
• Computer skills
• Interpersonal Skills
• Sales skills
• Communication skills
• Analytical Skills
• Junior college/Two-year college training preferred

Physical Requirements/Working Conditions

Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note

This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.