Mortgage Loan Originator

Centennial-Bank; Winter Park (FL); On-site; USD 45,000 - 75,000; Full time

Job summary

Centennial-Bank in Winter Park, FL seeks a residential mortgage loan officer to solicit loans through real estate partners and developers. You will interview applicants, assess credit, and make loan decisions while maintaining up-to-date product knowledge.

This role requires interaction with Realtors and builders, accurate documentation, and adherence to underwriting guidelines. Candidates should be prepared for ongoing compliance training and active referral development.

Qualifications

• Four year college degree or equivalent, plus relevant experience.
• Ability to read and analyze business information and communicate effectively.
• Numerical proficiency to calculate figures, percentages, and ratios.
• Ability to interpret instructions in written, oral, or diagram formats.
• S.A.F.E. Act registration required for employment.

Responsibilities

• Solicits residential first mortgages through Realtors, builders, and developers.
• Interview loan applicants and make credit decisions.
• Maintain knowledge of current loan products, processing procedures, and underwriting guidelines.
• Take borrower applications and ensure timely delivery to processors.
• Develop referral networks and handle branch referrals with appropriate follow-up.
• Attend lending meetings and participate in compliance training as required.

Education

Four year college degree

Job description

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

Winter Park
2415 Aloma Ave
Winter Park, FL 32792, USA

ESSENTIAL DUTIES AND RESPONSIBILITIES

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

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

This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site provides the MU4R questions and registration required for employment in this position.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

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. Specific vision abilities required by this job include close vision; depth perception; and ability to adjust focus.

ADDITIONAL INFORMATION

Not indicated.

Qualifications

Skills

Behaviors

Motivations

Education

Experience

Licenses & Certifications

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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