Mortgage Development & Originator

Centennial Bank•San Antonio, TX

About The Position

Solicits residential mortgages through contacts with Realtors, builders, and developers. Develops referral relationships with Community Development Organizations and participates in Community Development activities. Interviews loan applicants and makes credit decisions. This position requires the use of a personal or business vehicle. Therefore, you will be subject to additional pre- and post-employment screenings as permitted by law.

Requirements

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc.
Ability to read, analyze, and understand general business/company related articles and professional journals.
Ability to speak effectively before groups of customers or employees.
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
Ability to apply concepts such as fractions, ratios, and proportions to practical situations.
Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists.
Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.
S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS).
Intermediate: 10-Key, Accounting

Nice To Haves

Mortgage Loan Originator who also focuses on Community Development training and activities.

Responsibilities

Work with assigned branch office to ensure awareness of home loan products.
Handle referrals from branch office and provide appropriate follow-up.
Develop referral contacts (realtors, builders, professional and personal contacts).
Analyze financial data to determine creditworthiness.
Maintain knowledge of available loan products, processing procedures and underwriting guidelines.
Accept borrower applications.
Utilize communication and access of daily rates, credit reports and DU responses and transmitting to processor.
Collect appropriate documentation from each applicant and deliver loan package to processor in a timely manner.
Maintain high levels of customer service while managing each applicant's and support staff's expectations.
Attend and participate in all lending meetings as required.
Develop referral contacts with Community Development Organizations.
Attend Community Development meetings to build and strengthen relationships.
Represent bank at various civic, charitable, educational, and social affairs in order to develop and expand relationships.
Makes presentations on financial education to groups to attract new business.
Attend and participate in CRA Development meetings and trainings.
The ability to work in a constant state of alertness and in a safe manner.
Complete BSA/AML training and other compliance training as necessary.
Perform any other related duties as required or assigned.