Loan Originator

Centier Bank•Carmel, IN

3d•Onsite

About The Position

Centier Bank is seeking a Loan Originator who embodies a servant heart, is unaccepting of anything less than remarkable service, and is self-motivated and driven to deliver exceptional results. This role is responsible for making sales calls on realtors, builders, and other pertinent parties for the purpose of soliciting mortgage loans, developing banking relationships, and cross-selling services. The position involves interviewing loan applicants, documenting their financial information, determining eligibility, and informing them of loan costs and closing fees. The Loan Originator will submit completed applications, resolve discrepancies, and communicate loan approval or denial. They will also participate in meetings, communicate openly with associates and clients, meet production goals, attend loan closings, and adhere to all bank and government regulations. Additionally, the role requires representing the bank in community activities to develop and maintain client contact and referral relationships, and engaging in personal development activities for career growth.

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

Bachelor’s degree in a business related field.
3 years commissioned lending experience.
Flexibility to meet the schedule needs of your clients.

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.
Analyzing financial information, including but not limited to tax returns.
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.