Mortgage Loan Originator - Valdosta, GA

AgGeorgia Farm Credit•Quitman, GA

7h•Hybrid

About The Position

AgGeorgia Farm Credit is seeking an experienced Mortgage Loan Originator (MLO) to join their team in Valdosta and surrounding areas. The primary function of the MLO is to serve current and prospective customers with sound residential mortgage credit according to Association policies and procedures. This role involves building business development strategies, developing customer relationships, and providing loan servicing, operating within delegated lending authority. AgGeorgia Farm Credit emphasizes an inclusive, caring, and family-oriented culture that promotes a positive work environment and offers a strong loan referral program.

Requirements

Education and/or experience equivalent to a Bachelor’s degree
5+ years residential mortgage related work experience
Have a working knowledge of traditional underwriting practices
Ability to communicate (written and verbal) effectively with all levels of the organization
Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association
Travel via auto to carry out essential responsibilities of the job.
Ability to work independently and as a team member under moderate supervision

Nice To Haves

Knowledge of Farm Credit Association policies and procedures preferred

Responsibilities

Make calls on prospects using a weekly sales plan to include a specific goal for numbers of prospects contacted and closings.
Develop customer relationships by proactively researching customer needs, use discretion and independent judgment in understanding customer needs, and matching products and services to those needs.
Pursue cross-sell opportunities with existing members.
Work closely with other members of the team, including the Loan Processor.
Represent AgGeorgia at Trade Shows, local events, realtor meetings, civic organizations, etc.
Interview applicants, gather and reconcile complete, accurate credit and financial data.
Establish and negotiate credit terms, when necessary.
Promptly address inquiries from existing customers and prospects and ensure all Association contacts are treating customers’ requests with a sense of urgency.
Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgGeorgia objectives.
Communicate effectively on loans requiring underwriting through the third-party investors, relaying pertinent information, and providing proper documentation to support an accurate recommendation.
Ensure loans are approved per delegated authorities.
Ensure compliance with all required disclosures.
Monitor specific, individually assigned loans and assures that the loans receive timely and sound servicing.
Call on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems as needed.
Other duties and responsibilities as assigned, which may include specific projects.