Virtual Mortgage Loan Originator - Incentive-Based Pay

Fifth Third Bank; San Francisco (CA); On-site; USD 70,000 - 120,000; Full time

Job summary

Fifth Third Bank is seeking a Mortgage Loan Originator for the East Bay region. This remote-friendly role is responsible for originating residential loans from application to closing, with a focus on building referral networks and delivering strong customer service.

You will develop knowledge of loan products, processing procedures, and regulatory guidelines, while managing a loan pipeline and coordinating with branches and applicants to provide timely updates.

Qualifications

• High school diploma or equivalent mandatory; a four-year college degree is 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.
• S.A.F.E. Act registration required at employment through the Nationwide Mortgage Licensing System (NMLS).

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.

Skills

Communication skills

Teamwork

Customer service

Computer skills

Sales skills

Competitive drive

Education

High school diploma or equivalent

Bachelor's degree preferred

Job description

Fifth Third Bank is seeking a Mortgage Loan Originator for the East Bay region. This remote-friendly role is responsible for originating residential loans from application to closing, with a focus on building referral networks and delivering strong customer service.

You will develop knowledge of loan products, processing procedures, and regulatory guidelines, while managing a loan pipeline and coordinating with branches and applicants to provide timely updates.