Mortgage Originator - Augusta, GA

Vallant Bank•Augusta, GA

4d•Onsite

About The Position

The Mortgage Originator is responsible for originating and processing mortgage loans and supporting all aspects of mortgage department production. The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.

Requirements

High school diploma
Basic knowledge of the bank's products and services
Willingness to serve
Ability to function efficiently in a network environment
Working knowledge of Microsoft Office and SharePoint
Ability to function efficiently on a general business level of math
General accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations)
Ability to collect, research, and analyze information skillfully
Self-starter, creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment
Leader by example, attentive to detail, work well with others and responsive to supervisory guidance
Ability to identify and interpret trends in financial data
Working knowledge of compliance guidelines for the bank and the industry
Knowledge of loan documentation necessary for mortgage lending
Knowledge of the following lending regulations: Regulation B: Equal Credit Opportunity Act, Regulation C: Home Mortgage Disclosure, Regulation Z: Truth in Lending, HMDA, RESPA: Real Estate Settlement Procedures, Bank Secrecy
Know how to read financial statements (balance sheet, profit & loss statement, and cash flow statement)
Understand the appropriate loan documentation as related to all mortgage loans: FHA
Knowledge and experience with Caylex Software

Nice To Haves

College degree preferred
Mortgage originator experience or related sales experience
Broad, general knowledge of insurance products
Understand loan and commitment letters

Responsibilities

Originating and processing mortgage loans
Supporting all aspects of mortgage department production
Prospecting for new clients
Obtaining appointments by telephone and in person
Conducting interviews with prospects and clients
Analyzing information to narrow the product selection process
Choosing the product(s) to recommend
Closing (facilitating action steps to complete buying transactions)
Post-sale follow up
Asking for referrals
Tracking new business through completion and payment to the bank
Initiating communications with vendors on behalf of clients
Document and maintain records of all transactions and communications with clients
Keeping records of sales results