Mortgage Loan Originator
About The Position
The Mortgage Loan Originator (MLO) proactively solicits and produces new residential mortgage business to meet established loan quality and production goals. In this on-going sales role, the MLO continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. The network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the MLO’s regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations. The MLO responds to customer inquiries and referrals that are generated from both their own contacts and from other Florence Bank business channels. The MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information. The MLO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating commitment to professional ethics, complying with all Federal and State regulations and adhering to HMDA requirements.
Requirements
- A bachelor’s degree in business or marketing or the equivalent work-related experience.
- 3-5 years’ prior experience in mortgage origination.
- National Mortgage Licensing System (NMLS) ID number or ability to obtain NMLS ID number.
- Strong verbal and written communication skills.
- Strong analytical and problem-solving skills.
- Ability to provide a high level of customer service and cross selling of bank products and services.
- Demonstrated ability to utilize computer software programs.
- Demonstrated participation in community relations and business development programs.
Responsibilities
- Ensures exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners.
- Consistently meet expectations of teamwork, punctuality and regular, reliable attendance.
- Develops and stays current with the Bank’s loan policies.
- Originates quality residential mortgage loans and increases volume, as necessary.
- Keeps abreast of changes in state and FDIC regulations and maintains integrity in the lending function.
- Develops and maintains successful relationships with business referral sources, existing and prospective.
- Cross-sells other Bank products and services.
- Advises potential mortgage customers of available government lending programs that are available.
- Assists in the design of new mortgage products when appropriate and necessary.
- Maintains a high profile for the Bank as a community spirited lender through interaction with local housing groups and community minded associations.
- Participate in community efforts to promote home ownership.
- Achieves production goals as established by Florence Bank.
- Assumes additional responsibilities, as requested.
Benefits
- Generous paid time off
- Hybrid work schedule after successfully completing 6 months of employment
- 12 paid holidays
- Medical, dental, vision and life insurance upon hire
- 401K plan with dollar-for-dollar match
- Profit sharing bonus after two full calendar years of employment
- Robust wellness program with monetary incentives
- $5,000 tuition reimbursement each calendar year
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
