Mortgage Phone Originator

AmeriServ Financial Bank • Johnstown, PA

249d

About The Position

Responsible for the completion of all preferred affinity partner loan application requests, including residential mortgage, home equity line of credit and personal line of credit.

Requirements

• Minimum High School graduate with at least three (3) years related experience in mortgage lending or combined experience in lending or related fields.

Responsibilities

• Originate, develop, and complete residential mortgage, home equity line of credit and personal line of credit loan applications by phone, fax, electronically or mail for affinity program members.
• Talk with prospective lending customers to perform a mortgage pre-qualification, appropriate counseling, and compliant loan application services.
• Efficiently and effectively utilize the Encompass automated loan processing software system to process mortgage applications and provide initial disclosures to the borrower.
• Efficiently and effectively utilize the Consumer Loan application system for Home Equity line of credit and personal line of credit applications.
• Perform initial file set up and pre underwriting review procedures.
• Maintain contact with borrowers, real estate agents, closing agents, lenders and vendors to assist with the coordination of the processing and closing of a mortgage or consumer loan request.
• Ensure customer satisfaction by maintaining effective communication with the borrower throughout the entire mortgage or consumer loan process.
• Originate mortgage and consumer loans from internal referral sources as needed.
• Backup to conventional originators when necessary, including their customers who walk into the Main Office with questions.
• Participate in the execution of the Residential Mortgage Departmental Plan by assisting in meeting or exceeding all individual, department, and corporate production and budget goals.
• Keep fully informed on all mortgage related policies, procedures, and mortgage related legislation.
• Keep informed and abreast of current industry trends and developments in the real estate market.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: High school or GED
• Number of Employees: 251-500 employees