Mortgage Loan Originator

Centennial Bank•New Braunfels, TX

16h

About The Position

The Mortgage Loan Originator solicits residential first mortgages through contacts with Realtors, builders, and developers, interviews loan applicants, and makes credit decisions. The role works with an assigned branch office, develops referral relationships, analyzes applicant financial information, and prepares loan applications and documentation for processing. The position also requires maintaining knowledge of loan products, procedures, and underwriting guidelines; delivering customer service; attending lending meetings; and completing required compliance training.

Requirements

Broad knowledge of fields such as accounting, marketing, business administration, or finance.
Education and experience equivalent to a four-year college degree, plus four years of related experience and/or training and two years of related management experience, or an equivalent combination of education and experience.
Ability to read, analyze, and understand general business or 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, and apply fractions, ratios, and proportions to practical situations.
Ability to solve practical problems involving a variety of known variables where limited standardization exists and interpret written, oral, or diagrammatic instructions.
S.A.F.E. Act registration through the Nationwide Mortgage Licensing System (NMLS) is required at the time of employment.
Intermediate 10-Key and accounting software skills.

Responsibilities

Work with the assigned branch office to ensure awareness of home loan products.
Handle referrals from the branch office and provide appropriate follow-up.
Develop referral contacts, including Realtors, builders, and professional and personal contacts.
Analyze financial data to determine creditworthiness.
Maintain knowledge of available loan products, processing procedures, and underwriting guidelines.
Take borrower applications.
Use communication systems to access daily rates, credit reports, and DU responses, and transmit information to the processor.
Collect appropriate documentation from each applicant and deliver the loan package to the processor in a timely manner.
Maintain high levels of customer service while managing applicants' and support staff's expectations.
Attend and participate in lending meetings as required.
Complete BSA/AML and other compliance training as necessary.
Work in a constant state of alertness and in a safe manner.
Perform other related duties as required or assigned.