Retail Mortgage Loan Originator

Truist; Charleston (WV); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

401k plan

Vacation days

Job summary

A leading financial institution in Charleston, West Virginia is seeking a Mortgage Sales Representative. The role involves marketing Truist Mortgage Loan products, providing clients with mortgage advice, and adhering to internal policies and state regulations. Ideal candidates should possess strong communication skills, organizational abilities, and at least one year of experience in a banking environment. Competitive benefits and opportunities for career advancement are offered.

Qualifications

• 1+ year(s) experience in a banking or lending environment.
• Must comply with SAFE Mortgage Licensing Act within 30 days.
• Demonstrated proficiency in relevant computer applications.

Responsibilities

• Execute effective mortgage marketing plans to meet goals.
• Maintain knowledge of Mortgage Strategies, Policies and Procedures.
• Provide sound mortgage advice based on client needs.

Skills

Organizational skills

Communication skills

Interpersonal skills

Negotiation skills

Education

Bachelor's degree in Business or related field

Tools

Relevant computer applications

Job description

Job Overview

Responsible for the sales and marketing of Truist Mortgage Loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services, including the qualifying package of services and insurance products.

Regular or Temporary: Regular

Language Fluency: English (Required)

Work Shift: 1st shift (United States)

Essential Duties And Responsibilities

• Execute effective mortgage marketing and development plans to meet or exceed agreed upon mortgage production goals.
• Maintain a complete and thorough knowledge of the Mortgage Strategies, Policies and Procedures, as well as secondary market investor’s guidelines utilized by Truist.
• Adhere to and comply fully with any and all Truist policies and procedures related to internal and external rules and regulations, particularly those established by State and Federal law.
• Provide mortgage clients sound mortgage advice based on a full understanding of client needs as well as Truist Mortgage products and their benefits.
• Consistently execute on Truist's referral process by introducing mortgage clients to other bank solutions for deepening client opportunities.
• Assist Mortgage Loan Fulfillment with client, attorney, or appraiser document follow-up as determined through quality control or post-closing review.

Required Qualifications

• 1+ year(s) experience in banking and/or lending environment with basic knowledge of residential property types.
• Good organizational, written and verbal communication skills.
• Possesses solid interpersonal and negotiation skills.
• Demonstrated proficiency in relevant computer applications.
• Must be SAFE Mortgage Licensing Act compliant within 30 days of employment in this role, including new or transfer of registration, and an applicable NMLS acceptable background check.

Preferred Qualifications

• Bachelor's degree in Business, Marketing, Accounting, or related studies or equivalent financial sales experience.
• Two or more years of experience in residential mortgage lending with solid knowledge of the local market and regulations.
• Previous sales awards and leadership positions.

Other Job Requirements / Working Conditions

• Sitting/Standing/Walking/Bending/Lifting
• Sitting Frequently (25% - 50% of the time)
• Standing Frequently (25% - 50% of the time)
• Walking Frequently (25% - 50% of the time)
• Lifting Up to 25 lbs.
• Visual / Audio / Speaking abilities required.
• Ability to access and interpret client information received from the computer and to hear and speak with individuals in person and on the phone.
• Manual Dexterity / Keyboarding – Able to work standard office equipment including PC keyboard and mouse, copy/fax machines, and printers.
• Availability – Able to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.
• Travel – Up to 75%.

Benefits

All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax‑prefered savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full‑time or part‑time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non‑temporary position for which you apply, based on full‑time or part‑time status, position, and division of work.

EEO Statement

Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace. EEO is the Law. E-Verify IER Right to Work.