Mortgage Originator

Citizens National Bank; Meridian (MS); On-site; USD 60,000 - 90,000; Full time

Job summary

Citizens National Bank is seeking a Mortgage Originator to build and maintain a robust network of referrals for mortgage opportunities. The role emphasizes proactive prospecting, responding to referrals, and managing a portfolio of loans with attention to compliance and customer service.

The candidate will develop relationships with real estate professionals, builders and other referrals while ensuring timely loan submissions and clear communication throughout the process.

Qualifications

• Prospecting for mortgage opportunities and referrals.
• Responding to referrals and inquiries promptly.
• Strong relationship-building with real estate professionals and lenders.

Responsibilities

• Prospects for new mortgage lending opportunities from internal and external sources.
• Responds to referrals and maintains communications with loan customers.
• Develops a network of referral sources (realtors, builders, professionals).
• Completes mortgage applications for processing and underwriting.
• Evaluates loan requests and analyzes financial data for qualification, credit and collateral.
• Keeps customers informed on loan progress and required documents.
• Expands knowledge of new loan programs and investor products.
• Manages a portfolio of loans and relationships, ensuring compliance with lending practices.

Skills

Networking

Sales

Communication

Customer service

Time management

Education

High School Diploma or GED

Associate's Degree or 4 years related experience

Tools

Ellie Mae Encompass

Microsoft Word

Excel

Job description

Job Description

Mortgage Originator

Classification: Exempt

Reports to: Mortgage Production Manager

Summary/Objective

The Mortgage Originator is responsible for continually identifying, developing and maintaining a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Originator's network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer's regular participation in business related development opportunities & community efforts.

Primary Functions

1. Prospects for new mortgage lending opportunities, both internally and externally.
2. Responds to referrals.
3. Maximizes personal productivity. Has the desire to maximize personal productivity through self-marketing, self-motivation and bank budget goals.
4. Dedicates time developing (prospecting/hunting) a network of referral source relationships of realtors, builders and others that can refer those with mortgage financing needs.
5. Completes mortgage applications for submission to the loan processing and underwriting departments.
6. Evaluates loan requests, analyzes financial data and determines qualification of collateral and customer credit history.
7. Maintains contact with loan customers, communicating progress of loan and obtaining any required documentation.
8. Actively participates in opportunities to expand knowledge of new loan programs/types, investor specials and other mortgage financial products.
9. Manages all aspects of an assigned portfolio of loans and relationships.
10. Complies with acceptable lending practices and state and federal regulations.
11. Handles customer service matters and inquiries for lending and non-lending issues.
12. Monthly production volume of $600,000.

Secondary Functions

1. Participates in community activities and organizations.
2. Refers appropriate banking opportunities to other departments and personnel.
3. Cross sells all company products and services.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Supervisory Responsibility

Generally, this position does not have direct supervisory responsibility. May play a role in prioritizing the work load for a number of support positions including processors.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.

Physical Demands

1. Prolonged periods working at a desk

Position Type/Expected Hours of Work

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. Evening and weekend work may be required as job duties demand.

Travel

Travel is expected for this position.

Required Education and Experience

1. High School Graduate or GED and either Associate's Degree or 4 years of related experience.
2. Must be proficient in Microsoft Word and Excel and other necessary software for efficiency.
3. Excellent verbal and written communication skills and ability to build relationships.

Preferred Education and Experience

1. Bachelor's Degree or more than 5 years of related experience.
2. Ellie Mae Encompass experience.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.