Mortgage Loan Originator - San Jose

Fifth Third; California; À distance; USD 55 000 - 90 000; Plein temps

Résumé du poste

Fifth Third Bank, National Association is seeking a Mortgage Loan Originator to originate residential 1st mortgage loans for outside referrals, handling the process from application to closing and delivering a positive customer experience. You will build referral networks, stay current with policies and loan products, use tools to access rates and credit reports, and manage the loan pipeline while coordinating with branches.

This role requires S.A.F.E.

Qualifications

• High school diploma or equivalent mandatory.
• Bachelor’s degree preferred.
• Knowledge of conventional and government lending guidelines.
• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Knowledge of federal lending regulations governing real estate lending.
• Demonstrated organizational skills.
• Strong written and verbal communications skills.
• Demonstrated teamwork and customer service skills.
• Proven computer skills.
• Basic sales technique skills.
• Strong desire to excel in a competitive environment.

Responsabilités

• Develop referral contacts (realtors, builders, professional and personal contacts).
• Maintain knowledge of policies and loan products.
• Follow defined protocol for escalation and exceptions.
• Take applicant applications by completing Fannie Mae form 1003 on the laptop.
• Utilize the laptop for communication and access to daily rates, credit reports, and transmitting the loan to LOMAS.
• Collect documentation and deliver loan packages within management timeframes.
• Manage pipeline for all originated loans through closing and prepare reports.
• Communicate with branches and applicants with timely updates and progress reports.
• Maintain high levels of customer service while managing expectations.
• Attend and participate in Consumer Lending meetings as required.

Connaissances

Lending guidelines

Mortgage processing

Underwriting/closing

Regulatory knowledge

Written communication

Verbal communication

Teamwork

Customer service

Computer skills

Sales skills

Competitive drive

Formation

High school diploma or equivalent

Bachelor's degree preferred

Description du poste

Make banking a Fifth Third better® We connect great people to great opportunities.

General Function

Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals. Meets standards and objectives defined by management for mortgage loan sales and cross‑selling objectives. Assumes overall responsibility for the residential mortgage loan from application to closing. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

Essential Duties and Responsibilities

• Develop referral contacts (realtors, builders, professional and personal contacts).
• Maintain knowledge of Fifth Third Mortgage Company's policies and procedures.
• Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines.
• Follow defined protocol for escalation exceptions.
• Take applicant applications by completing Fannie Mae form 1003 on the laptop.
• Utilize the laptop for communication and access of daily rates, applicant credit reports, Loan Prospector responses and transmitting the loan to LOMAS.
• Collect appropriate documentation from each applicant and deliver loan package in the time frames set by management.
• Manage pipeline for all originated loans through closing and complete required management reports.
• Communicate with branches and/or applicants of providing timely updates and progress reports.
• Maintain high levels of customer service while managing each applicant's and support staff's expectations.
• Attend and participate in all Consumer Lending meetings as required by management.

Minimum Knowledge and Skills Required

• High school diploma or equivalent mandatory.
• Four‑year college degree preferred.
• Knowledge of conventional and/or government lending guidelines.
• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Knowledge of federal lending regulations governing real estate lending.
• Demonstrated organizational skills.
• Strong written and verbal communications skills.
• Demonstrated teamwork and customer service skills.
• Proven computer skills.
• Basic sales technique skills.
• Strong desire to excel in a competitive environment.

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 (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.

Mortgage Loan Originator - San Jose At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day. Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request. Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well‑being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.

LOCATION -- Virtual, California 00000

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.