Mortgage Direct Loan Originator

Hancock Whitney Bank•New Orleans, LA

About The Position

The Mortgage Direct Loan Originator is responsible for the origination of primarily conventional, VA, and FHA loans, ensuring compliance with investor requirements and all state and federal laws and regulations. This role focuses on leveraging digital platforms and technology to streamline the mortgage process, delivering exceptional digital services and solutions to both existing and potential clients, with a particular emphasis on inclusive banking opportunities. The originator is expected to build and maintain client relationships through digital analytics, consultations, and the company’s digital communication tools, facilitating the sourcing of additional products and services related to marketing and sales initiatives. A key responsibility also includes diligently following up on company-provided leads using various contact methods to ensure effective management and conversion of these opportunities.

Requirements

High School Diploma or general education degree (GED) is required.
3 years of sales experience &/or success as an individual contributor required.
This position requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. Continued employment is contingent upon successful registration immediately after start date and annual renewal.
Possess and maintain the active knowledge required to consult on secondary mortgage lending programs, procedures, and policies and how they relate to any applicable systems and technologies.
Proficient in Microsoft Office products.
Proficient in operating and navigating multiple (banking) systems and applications, utilizing system tools to locate information and complete tasks.
Ability to multi-task competing priorities to meet tight deadlines in a competitive retail environment.
Proven ability to form and expand internal and external relationships while maintaining a high level of service.
Excellent communication, analytical, customer service and organizational skills.
Strong interpersonal and collaborative skills with the ability to work effectively with all levels of personnel.
Ability to travel if required to perform the essential job functions.
Ability to read, interpret, and explain a document if required to perform the essential job functions.
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions.

Nice To Haves

Bachelor’s Degree preferred.
3 years of Mortgage origination experience or retail/Financial Center experience is preferred.

Responsibilities

Maintain proactive and continuous communication with clients throughout the loan process, utilizing digital platforms to provide updates, gather documentation, and address inquiries.
Discuss and consult on loan products and qualification criteria, providing digital support and guidance to current and potential clients to enhance their understanding and comfort with the mortgage process and the bank’s services.
Engage in digital marketing and outreach efforts to promote loan products and services, utilizing Encompass (LOS), Sales Relationship Management (CRM) Salesforce, Five9, and any other tools provided for this purpose to maximize sales results.
Apply digital tools for the analysis of loan applications, financial data, and client needs to make informed decisions and recommendations, improving the customer experience.
Stay abreast of technological advancements and digital trends in the mortgage banking industry, employing a variety of tools, knowledge, and platforms to optimize loan processing, underwriting, and customer service.
Ensure all digital mortgage processes comply with state and federal regulations and laws for acceptable lending practices.
Utilize technology to streamline operations, reduce errors, and increase the efficiency and speed of loan approvals.
Adhere to set goals and metrics measuring performance and sales effectiveness.
Collaborate with associates throughout the bank to generate referrals that align clients with the appropriate channel.
Respond promptly to inbound inquiries and actively engage with provided outbound leads during designated business hours.