Mortgage Loan Originator

Hancock Whitney • San Antonio, TX

10d

About The Position

This position is responsible for originating portfolio loans, secondary market conventional, FHA, VA and RD loans that comply with investor requirements and all State and Federal laws and regulations. The role also involves promoting Bank products and services to existing and potential clients in the community.

Requirements

• 2 years of sales experience required.
• National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008 is required. Must register or re-register upon active employment and annually thereafter.
• Knowledge of all Mortgage laws, procedures, rules, regulations on a federal, relevant state, local, and bank-wide basis.
• Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, PowerPoint and Access.
• Ability to learn or knowledge of Outlook email program.
• Excellent communication, analytical, customer service, and organizational skills.
• Ability to work effectively with all levels of personnel.
• Strong presentation skills.

Nice To Haves

• Bachelor’s Degree preferred.
• 2 + years of Mortgage origination experience is preferred.

Responsibilities

• Provides expert mortgage advice to potential borrowers.
• Stays current with Bank's underwriting policy, Investor guidelines, Applicable State and Federal laws and regulations, and changes in the mortgage industry.
• Develops and maintains referral networks of Bank associates and external referral sources such as Realtors, Builders, friends, family, and others in the community.
• Manages a clean pipeline of loans in process, coordinating with Processors, Underwriters, and Closers on a daily basis.
• Delivers all compliance documents and disclosures in a timely manner.
• Takes a complete application and collects all required documentation for verification.
• Prepares the borrower(s) for the process and keeps all parties involved up to date on developments and status of the application.
• Informs applicant of closing costs.
• Interviews loan applicants to document income, debt, and credit history.
• Determines if applicant meets establishment standards for further consideration.
• Answers applicant's questions and asks for signature on information authorization forms.
• Submits application forms to Mortgage Loan Processor for verification of application information.
• Calls applicant or other persons to resolve discrepancies.
• Informs applicant of loan denial or acceptance.
• Keeps Bank associates up to date on changes in the industry and works as a team member with other lines of business.
• Keeps all compliance requirements up to date and maintains a working knowledge of the products and services provided by other lines of business and Bank affiliates.
• Complies with all applicable federal, state, and local banking and industry related laws and regulations including the Bank Secrecy Act.

Benefits

• Consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level