Mortgage Originator

Citizens National Bank•Meridian, MS

11d•Onsite

About The Position

The Mortgage Originator is responsible for continually identifying, developing and maintaining a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Originator�s network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer�s regular participation in business related development opportunities & community efforts. This role involves prospecting for new mortgage lending opportunities, completing mortgage applications, evaluating loan requests, analyzing financial data, determining qualification of collateral and customer credit history, and managing an assigned portfolio of loans and relationships. The position also requires active participation in opportunities to expand knowledge of new loan programs/types, investor specials and other mortgage financial products, while complying with lending regulations and handling customer service inquiries.

Requirements

High School Graduate or GED and either Associate’s Degree or 4 years of related experience.
Proficient in Microsoft Word and Excel and other necessary software for efficiency.
Excellent verbal and written communication skills.
Ability to build relationships.
Monthly production volume of $600,000.

Nice To Haves

Bachelor’s Degree or more than 5 years of related experience.
Ellie Mae Encompass experience.

Responsibilities

Prospects for new mortgage lending opportunities, both internally and externally.
Responds to referrals.
Maximizes personal productivity through self-marketing, self-motivation and bank budget goals.
Dedicates time developing (prospecting/hunting) a network of referral source relationships of realtors, builders and others that can refer those with mortgage financing needs.
Completes mortgage applications for submission to the loan processing and underwriting departments.
Evaluates loan requests, analyzes financial data and determines qualification of collateral and customer credit history.
Maintains contact with loan customers, communicating progress of loan and obtaining any required documentation.
Actively participates in opportunities to expand knowledge of new loan programs/types, investor specials and other mortgage financial products.
Manages all aspects of an assigned portfolio of loans and relationships.
Complies with acceptable lending practices and state and federal regulations.
Handles customer service matters and inquiries for lending and non-lending issues.
Participates in community activities and organizations.
Refers appropriate banking opportunities to other departments and personnel.
Cross sells all company products and services.