Mortgage Loan Originator

Apt; Raleigh (NC); Remote; USD 55,000 - 120,000; Full time

Job summary

A leading bank seeks a Mortgage Loan Originator to join their team in Raleigh. The role involves sourcing loans for residential real estate, collaborating with bank managers, and ensuring an excellent customer experience. Ideal candidates will have previous origination experience and strong relationship-building skills.

Benefits

401(k)

Vision insurance

Medical insurance

Qualifications

• Prior mortgage origination experience, minimum of $12 million in production required.
• Able to maintain NMLS registration and/or licensing status.
• Goal-oriented with ability to meet loan production objectives.

Responsibilities

• Develop an external network of referral partners.
• Take loan applications and ensure quality origination experience.
• Maximize bank profitability through appropriate pricing.

Skills

Knowledge of mortgage loan origination

Proven credit analysis skills

Excellent customer service

Excellent organization and time management

Relationship-building and sales skills

Education

High school diploma or equivalence

Tools

Loan Origination Systems

Job description

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Our client is looking to bring on a remote Mortgage Loan Originator to their growing team in the Raleigh area! You will develop an external network of Realtor, builder, and other referral partners. You will take loan applications, collects relevant loan documentation and ensures that borrowers receive a quality origination experience. You will represent the bank in the local community through active involvement in key trade and other groups such as Realtor associations.

What you'll do:

• Source and develop loans for residential real estate and new construction lending, both internally and externally

• Collaborate with bank Branch Managers to establish a referral plan and system

• Conduct regular training, share best practices and successes

• Conducts loan interview with borrowers to understand their needs and match suitable loan solutions

• Take applications, collect documentation and run ratio and other calculations

• Complete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner

• Submit complete loan files to underwriting

• Maximize bank profitability through appropriate pricing of new loan originations and fee income.

• Work with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured

• Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge

• Build and maintain positive relations with all customers, potential customers and co-workers

• Perform as a team member in allocating and coordinating the work flow

• Contribute to the fulfillment of department and company objectives and goals to include looking for other banking relationship opportunities with borrowers

Requirements:

• High school diploma or equivalence required

• Must have prior mortgage origination experience, minimum of $12 million in production

• Must be goal oriented and able to meet loan production objectives

• Able to maintain NMLS registration and /or licensing status

Skills needed for success:

• Knowledge of mortgage loan origination, underwriting, processing, documentation, and post closing review

• Knowledge of both portfolio and secondary market loan origination programs and guidelines to include conventional, FHA, VA, USDA, and Jumbo loan programs

• Knowledge of the appraisal process, title insurance process, and loan closing process.

• Proven credit analysis skills

• Knowledge of state and federal lending and compliance regulations and bank lending policies

• Excellent organization and time management skills

• Experience with originating loans using Loan Origination Systems

• Intermediate math skills, ability to calculate interest, commissions, proportions, debt-to-income ratios, loan to values

• Excellent customer service skills, attentiveness, and information retention

• Must be a proficient communicator and listener, as well as strong organizational skills

• Must possess excellent relationship-building and sales skills

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  General Business

• Industries

  Banking

Referrals increase your chances of interviewing at Apt by 2x

Inferred from the description for this job

401(k)

Vision insurance

Medical insurance

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