Loan Originator

Centier Bank•South Bend, IN

5d•$12•Onsite

About The Position

Centier Bank is seeking a Loan Originator who embodies a servant heart, delivers remarkable service, and is self-motivated to achieve exceptional results. This award-winning company, built on values of Caring, Loyalty, Integrity, Friendship, and Fun, offers a supportive and engaging work environment. The Loan Originator will be responsible for soliciting mortgage loans by making sales calls on realtors, builders, and other relevant parties, developing banking relationships, and cross-selling services. The role involves interviewing loan applicants, documenting their financial information, determining eligibility, and informing them of loan costs and closing fees. The position requires submitting completed applications, resolving discrepancies, communicating loan decisions, and meeting monthly production goals. Additionally, the Loan Originator will represent the bank in community activities to foster client contact and referral relationships, and engage in personal development to advance their career.

Requirements

Computer knowledge in a Windows environment and working with a mouse.
Basic computer knowledge in Microsoft Word and Excel.
Ability to review and understand a variety of resources and information including financial related information.
Proofread and verify written materials.
Read and process written and numerical information.
Operate a computer keyboard and adding machine.
Read alpha and numeric information on a computer monitor screen.
Ability to work independently and in a team environment.

Nice To Haves

3 years commissioned lending experience.

Responsibilities

Making sales calls on realtors, builders, and other pertinent parties for the purpose of soliciting mortgage loans, developing banking relationships, and cross-selling services.
Interviewing loan applicants to document income, debt, credit history, employment, and general information.
Requesting and reviewing documents such as income tax returns, W-2’s, purchase agreements, legal descriptions, forms for verification, and all other documents necessary to properly process an application.
Determining if applicants meet established standards or what additional information might be necessary for further consideration.
Informing applicants of all costs and closing fees associated with the loan request.
Submitting completed loan applications and all supporting documents to loan processing to begin processing of the loan.
Calling applicants to resolve discrepancies such as derogatory credit, unlisted debt or any other issue.
Informing loan applicants of loan approval or denial.
Participating in all scheduled meetings deemed necessary by management.
Communicating open and honestly with all bank associates including management and with clients and potential clients.
Meeting production goals on a monthly basis.
Attending loan closings.
Understanding and adhering to all bank and government regulations, rules, policies, and procedures including, but not limited to operations and compliance.
Representing the bank in community activities including business, charitable, civic, and social to develop and maintain client contact and referral relationships.
Engaging in personal development activities such as BAI courses and internal/external training to assist in growing in career.
Soliciting referral sources to get mortgage loans, providing information during inquiries, and ultimately, if appropriate, inviting the client to make a mortgage loan application.
Interviewing mortgage loan applicants in a friendly and efficient manner by securing an application and all supporting documents for submission to loan processing.