Mortgage Loan Originator

Citizens Bank of Las Cruces; Las Cruces (NM); Sur place; USD 55 000 - 85 000; Plein temps

Avantages offerts par ce poste

Group Life & Disability Insurance

ESOP/Retirement Fund participation

Paid Vacations

Paid Time Off

Paid Holidays

Free or Discounted Bank Services

On-going Training

Employee Education Reimbursement

Many other benefits

Résumé du poste

Citizens Bank of Las Cruces is seeking an Experienced Mortgage Loan Originator to interview applicants, analyze financial data, and determine loan eligibility. The role involves counseling customers on financing programs, coordinating the application process, and ensuring compliance with secondary market guidelines.

Strong communication and relationship-building skills are essential. The position emphasizes cross-selling bank services, developer relations, and providing exemplary customer

Qualifications

• Bachelor’s degree preferred with 2+ years in lending and knowledge of secondary market FNMA/FHLMC guidelines
• Bilingual capable for client interaction
• Supervisory experience preferred
• Strong verbal and written communication skills
• Analytical and mathematical skills for financial calculations

Responsabilités

• Interview and counsel customers on financing programs and requirements.
• Collect financial data and disclosures.
• Calculate payments, closing costs and debt-to-income ratios.
• Analyze credit history and determine guideline fit.
• Submit applications and monitor status through processing.
• Review final packages for secondary market submission.
• Provide final loan recommendations or declines and inform applicants.
• Develop relationships with Realtors and builders and solicit new business.

Connaissances

Bilingual

Finance knowledge

Analytical thinking

Presentation skills

Interpersonal skills

Problem solving

Formation

Bachelor's degree

Description du poste

Join our team! Citizens Bank is seeking an Experienced Mortgage Loan Originator to help us grow our lending department and deliver exceptional service to our customers.

Summary:

Under general supervision, but in accordance with established policies and procedures, is responsible for interviewing mortgage loan applicants, obtaining pertinent financial and loan data, and conducting a preliminary analysis to determine if borrower meets established minimum criteria according to established underwriting guidelines. Must have a thorough knowledge of different mortgage loan programs available and their requirements. Upon final review of the credit file, authorizes or recommends approval. Ensures credit file meets secondary market guidelines; coordinates closings; follows through on post-closing conditions, if any. Is also responsible for collection activity on individual portfolio. Essential job functions are described below with other duties as assigned. Must have flexible schedule and provide excellent customer service.

Duties and Responsibilities:

I.Loan Originations

• Interviews and counsels customers on different financing programs and their requirements.
• Obtains pertinent financial and loan data required.
• Calculates payment options, closing costs and obtains required regulatory disclosures.
• Analyzes financial information, calculates debt to income ratios, cash flow and reviews credit history.
• Determines if applicant meets established guidelines.
• Forwards application for further processing and periodically checks on status of the application.
• Reviews final loan package and appraisal to ensure file is ready for final submission to secondary market investors and/or loan committee.
• Makes final recommendation or declines the loan request.
• Informs applicant of final loan decision.

III.Business Development/Cross Selling

• Develops and maintains mutually beneficial relationship with Realtors and builders.
• Solicits new business for the bank by active involvement in civic, community or related business groups.
• Promotes other bank services that will benefit the customer and establish further banking relationships.

Qualifications:

• Must be bilingual.
• Bachelor’s degree preferred with a minimum of two years of related experience in lending and knowledge of secondary market and FNMA/FHLMC guidelines.
• Supervisory experience with ability to manage people and delegate workflow preferred.
• Strong language and interpersonal skills to communicate effectively both verbally and written.
• Analytical and mathematical skills required to calculate financial figures, yields, percentages and ratios. Ability to perform cash flows and analyze tax returns.
• Strong reasoning capabilities to allow for solving problems and situations.
• Ability to make presentations and deal effectively with outside groups, internal management and employees of the organization.
• Must work well and effectively under pressure and handle various job tasks and deadlines.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The employee is frequently required to sit and occasionally required to walk.Use hands to finger, handle or feel objects, tools or controls; and talk or hear.The employee must occasionally lift and/or move up to ten pounds.Specific vision abilities required by this job include close vision and the ability to adjust focus.The noise level in the work environment is usually moderate.

Our full and part-time employees receive exceptional benefits, including:

Full Time

• Group Life & Disability Insurance
• Additional voluntary coverage is available

Full & Part Time

• ESOP/Retirement Fund participation (Employee Stock Ownership Plan that includes 401(k), match and profit sharing)
• Paid Vacations
• Paid Time Off
• Paid Holidays (as observed by the Federal Reserve)
• Free or Discounted Bank Services
• On-going Training
• Employee Education Reimbursement
• Many other benefits!

Equal Employment Opportunity Employer/M/F/Disability/Veteran