Mortgage Loan Originator

CEN; Round Rock, Austin, Town of Bedford (TX, TX, NY); Vor Ort; USD 60.000 - 90.000; Vollzeit

Zusammenfassung

CEN is seeking a Mortgage Loan Officer to solicit residential first mortgages through Realtors, builders, and developers. You will interview loan applicants, collect documents, and determine creditworthiness to help close loans.

The role requires a four-year degree and several years of related experience, plus strong analytical, communication, and compliance skills to serve clients and coordinate with branch staff. You will maintain excellent customer service and participate in lending meetings.

Qualifikationen

• Broad knowledge of accounting, marketing, business administration, finance.
• Equivalent to a four-year degree plus 4 years related experience and 2 years related management experience, or equivalent.
• Ability to read and analyze business articles and journals; speak effectively before groups.
• Ability to calculate figures such as interest, discounts, percentages.
• Ability to solve practical problems and interpret written instructions.

Aufgaben

• Work with assigned branch office to promote home loan products.
• Handle referrals from branch office and provide follow-up.
• Develop referral contacts with realtors, builders, and developers.
• Analyze financial data to determine creditworthiness.
• Take borrower applications and collect documentation.
• Deliver loan packages to processor in a timely manner.
• Maintain high levels of customer service and manage expectations.
• Attend lending meetings and complete compliance training as required.

Kenntnisse

Credit analysis

Customer service

Sales & referrals

Financial data interpretation

Ausbildung

Bachelor's degree in finance/related field

Jobbeschreibung

Solicits residential first mortgages through contacts with Realtors, builders, and developers. Interview loan applicants and makes credit decisions

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. 1. Work with assigned branch office to ensure awareness of home loan products.
2. 2. Handle referrals from branch office and provide appropriate follow-up.
3. 3. Develop referral contacts (realtors, builders, professional and personal contacts).
4. 4. Analyze financial data to determine creditworthiness.
5. 5. Maintain knowledge of available loan products, processing procedures and underwriting guidelines.
6. 6. Take borrower applications.
7. 7. Utilize communication and access of daily rates, credit reports and DU responses and transmitting to processor.
8. 8. Collect appropriate documentation from each applicant and deliver loan package to processor in a timely manner.
9. 9. Maintain high levels of customer service while managing each applicant's and support staff's expectations.
10. 10. Attend and participate in all lending meetings as required.
11. 11. Complete BSA/AML training and other compliance training as necessary.
12. 12. Perform any other related duties as required or assigned.

Requirements

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 4 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to read, analyze, and understand general business/company related articles and professional journals; Ability to speak effectively before groups of customers or employees.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

RESPONSIBILITY FOR WORK OF OTHERS

The level of direct supervisory responsibility for the assignment of job duties, training, leadership, guidance, needs of employees, hiring, terminating and/or direction of the effort of others. Scoring will depend upon the number and classification of people normally supervised or directed, and the scope of complexity of the operations involved in the supervisory responsibility. (Job classification which involves no supervision will not be assigned a point value for this factor.) No supervision. Supervises the following departments:

WORKING CONDITIONS

Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations. Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks. While performing the functions of this job, the employee is frequently required to sit; and occasionally required to stand, walk, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds.

ADDITIONAL INFORMATION

Not indicated.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.