Mortgage Loan Originator

Martinsville First Savings Bank; Martinsville (VA); On-site; USD 55,000 - 75,000; Full time

Job summary

Martinsville First Savings Bank in Martinsville, VA is seeking a Mortgage Loan Originator to originate first mortgage loans and home improvement loans by talking with customers and by contacting realtors.

The role requires 2–4 years in financial services, NMLS certification, HS diploma (Bachelor’s preferred), and proficiency in MS Office; Cleartouch experience is preferred. You will promote loan products, ensure compliance, and support customers through the application process.

Qualifications

• 2–4 years of experience in financial services or banking required.
• Certification: NMLS is required.
• HS diploma or equivalent required; Bachelor’s degree preferred.
• Proficiency in MS Office; Cleartouch experience preferred.

Responsibilities

• Originates one-to-four family residential loans and commercial loans by talking with customers and by contacting realtors, builders, etc.; engages in sales efforts at the customer’s home or place of business and away from the bank’s place of business.
• Responds to customer inquiries regarding loan products and applications.
• Keeps up-to-date on government regulations and policies; participates in quarterly compliance training.
• Promotes the association's CRA loan program to real estate agents in low-to-moderate income neighborhoods.
• Projects a positive image of the bank and makes sales contacts through community involvement.
• Cross-sells and stays current on the bank’s entire product line including lending and savings products.
• Complies with fair lending laws and bank policies at all times.
• Manages relationships with service providers and vendors; sets expectations and measures performance.
• Other duties as required.

Skills

Resilience

Communication

Service Orientation

Interpersonal skills

Business Acumen

Organizational Skills

Education

HS Diploma or equivalent

Bachelor’s degree preferred

NMLS certification required

Tools

MS Office (Outlook, Excel, Word)

Cleartouch

Job description

The Mortgage Loan Originator originates first mortgage loans and home improvement loans for consumers.

Requirements

Duties and Responsibilities:

• Originates one-to-four family residential loans and commercial loans by talking with customers and by contacting realtors, builders, etc.; engages in sales efforts at the customer’s home or place of business and away from the bank’s place of business or any office maintained for loan production business purposes.
• Responds to customer/contact inquiries regarding the association's loan products and customer's applications.
• Keeps up-to-date on government regulations and the association's policies and procedures regarding lending; participates in quarterly compliance training on banking regulations for industry.
• Promotes the association's Community Reinvestment Act loan program to real estate agents in low-to-moderate income neighborhoods.
• Projects a positive image of the association and make sales contacts by participating in community activities, organizations, and business-related functions.
• Cross-sells and keeps up-to-date on the association's entire product line including both lending and savings products.
• Knows, understands, and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
• Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner; sets expectations; develops performance metrics; measures vendor performance, provides feedback and holds accountable.
• Other duties as required.

Necessary Competencies

• Resilience
• Communication
• Service Orientation
• Interpersonal skills
• Business Acumen
• Organizational Skills

Qualifications And Skills

• 2 - 4 years of experience in financial service or banking is required along with strong understanding of banking laws, regulations and guidelines is required.
• Certification: NMLS is required.
• High School Diploma or equivalent is required; Bachelor’s degree is preferred.
• Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. Cleartouch experience is preferred.

Physical Environment

• While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
• The employee must occasionally lift and/or move up to 25 pounds.
• The noise level in the work environment is usually quiet to moderate.
• This position is customarily and regularly performed outside of an office setting and hours of work are not structured.

This job description is designed to provide a general overview of the requirements of the job and does not entail a comprehensive listing of all activities, duties, or responsibilities that will be required in this position.

First Mutual Holding Co. and First Federal Lakewood is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.