Mortgage Loan Originator

Republic Bancorp • Lexington, KY

295d

About The Position

This position performs a wide range of duties related to the origination of residential 1st and 2nd mortgages; which includes generating referrals/leads that are self-sourced through a variety of networking channels. This position is required to meet standards, objectives and goals set forth by management for originating loans and cross-selling products and services of the bank. This position will assume overall responsibility for the mortgage loan from application to close.

Requirements

• Demonstrated high level working knowledge of residential conventional/government mortgage processing, underwriting, and closing guidelines.
• Mortgage sales experience required.
• Demonstrated proficiency in Microsoft Office programs, Word, Excel, PowerPoint & Outlook.
• NMLS registration required.

Responsibilities

• Develop referral contacts (realtors, builders, professionals, and personal contacts) for 1st and 2nd mortgage loans.
• Participate in industry associations, networking groups and Republic Bank sponsored events to promote Republic Bank mortgage lending services.
• Maintain all prospect, client, and referral partner information in Republic Bank's CRM (customer relationship management) software.
• Interview clients and gather information pertaining to their unique financial situations, needs and objectives.
• Consult with clients about current and future needs to help achieve their financial goals.
• Advise and educate clients on the home buying process, financing options and how to better manage their mortgage.
• Assist clients through the loan process from application to closing.
• Maintain knowledge of available loan products, processing procedures and underwriting guidelines. Collect appropriate documentation from applicants in time frames established by management.
• Deliver exceptional levels of customer service and communicate with both applicants and internal support staff with timely updates and progress reports.
• Manage a pipeline for all originated loans to the closing.
• Execute effective marketing plans to meet or exceed mortgage production goals.
• Attend and participate in all mortgage lender meetings and training as required by management.
• Learn the credit culture of Republic Bank in order to present appropriate credits for approval.
• Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
• Model and foster behaviors that support the Bank's values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
• Willingly perform all other duties and projects as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: No Education Listed
• Number of Employees: 501-1,000 employees