Mortgage Loan Originator

United Community Bank; Five Points South (AL); On-site; USD 60,000 - 90,000; Full time

Job summary

United Community Bank in Tuscaloosa, Huntsville and Birmingham is seeking a Mortgage Loan Officer (MLO) to join our team. The MLO will help individuals achieve homeownership and build relationships with realtors, builders and developers.

Active NMLS License is required. The role involves originating loans, reviewing applications, and guiding clients through the mortgage process with knowledge of FHA, VA and USDA guidelines.

Qualifications

• Active NMLS license required.
• Minimum two years of residential mortgage loan origination.
• Familiar with FHA, VA, and USDA guidelines.
• Proficient in sales and service; including tele-consulting, prospecting, and networking.

Responsibilities

• Develop business through maintaining contact with realtors, builders, developers and construction lenders.
• Maintain knowledge of available loan products, processing procedures, and underwriting and general department guidelines.
• Interviews potential customers and answers questions about various types of mortgage loans.
• Reviews, analyzes, and processes mortgage loan requests; ensures compliance with investor, state and federal lending requirements.
• Order verifications of employment, deposits, mortgage, and rental; deliver loan packages within required timeframes.
• Input information from applications and documentation into Mortgageware; maintain client-centric service levels.

Skills

NMLS license

Mortgage origination

Sales & service

Tools

Mortgageware

Job description

Overview

Hiring In:

Tuscaloosa, AL

Huntsville, AL

Birmingham, AL

United Communityis an experienced, driven, and customer-focused Mortgage Loan Officer (MLO) to join our team. The MLO will help individuals and families achieve their homeownership dreams. In this role, you’ll build lasting relationships with realtors, builders, and developers while guiding clients through the mortgage process with expertise and care. If you’re passionate about residential lending and thrive in a fast-paced, service-oriented setting, we’d love to hear from you.

What You’ll Do

• Active NMLS License is required
• Develop business through maintaining contact with realtors, builders, developers and construction lenders.
• Maintain knowledge of available loan products, processing procedures, and underwriting and general department guideline
• Interviews potential customers and answers questions about various types of mortgage loans.
• Reviews, analyzes, and processes mortgage loan requests. Reviews application and initial loan documentation for compliance to investor, state and federal lending requirements
• Responsible for ordering verifications of employment, deposits, mortgage, and rental.
• Collect appropriate documentation from each applicant and deliver loan package in the timeframes set by Management.
• Input information from application and verifying documentation into Mortgageware
• Maintain high levels of customer service while managing each applicant’s expectations

Requirements For Success

• Minimum two (2) years of residential mortgage loan origination
• Familiar with FHA, VA, and USDA guidelines
• Proficient in sales and service skills; including tele-consulting, prospecting, and networking.
• NMLS License required

Preferred Skills/Experience:

• Current Notary Public Certification preferred

Conditions of Employment

• Must be able to pass a criminal background & credit check
• This is a full-time, non-remote position

FLSA Status:

• Non-Exempt

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range

USD $0.00 - USD $0.00 /Yr.