Residential Mortgage Lender

Jefferson Bank•San Antonio, TX

About The Position

To generate mortgage production loans through external business development & internal partners. Will qualify borrowers; maintain compliance and quality control standards.

Requirements

2 years’ experience in mortgage loan origination
Proven track record in achieving sales quotas up to 5 million
Strong compliance understanding & problem solving skills related to residential loan origination
Ability to interface effectively with all levels within the organization, work autonomously, handle multiple projects, remain flexible and adaptable to change
High School Diploma or equivalent
Ability to work independently and multi-task with accuracy
Strong interpersonal skills
Strong verbal and written communication skills
Excellent computer literacy in all Microsoft Programs (Outlook, IE 7 and 8 and
other popular browsers, Word, Excel, Power Point, Adobe Reader)
Ability to work with office equipment such as copiers, scanners, shredders, fax
Mortgage Software
Ability to work effectively in high pressure environment
Must be able to hear and speak to communicate with customers
Proven organizational skills with ability to multi-task
Must be able to sit for long periods of time and read from a computer screen
Must be able to type on a keyboard
Must be able to reach, bend and lift files up to 30 lbs
Must be able to speak, hear and see to communicate with clients
Must meet and maintain financial responsibility, character and general fitness standards, and all other established requirements for an individual Loan Originator in accordance with The Truth in Lending Act (TILA), Regulation Z.

Nice To Haves

Experience with existing referral sources & customer relationships
Experience using Encompass LOS System
Spanish bilingual preferred

Responsibilities

Build and maintain referral networks and relationships for bringing in new mortgage business.
Advise customers in the process of completing mortgage loan applications (1003)
Determine appropriate loan type for customers’ needs and educate customer on details of all loan types
Determine loan requirements and advise customers regarding documentation required for transactions
Prepare and send initial disclosures to customers, complying with RESPA/TILA requirements
Correctly calculate income and identify assets for borrowers per appropriate lender’s guidelines
Run loan file information through Loan Prospector or Desktop Underwriting system to determine eligibility for agency loan
Manage customers and related service providers, including real estate agents, regarding appropriate expectations for documentation, process and closing
Partner with processor on files to ensure loans close in a timely manner
Communicate with customers regularly to ensure they have a clear understanding of the process
Expand and regularly update knowledge base regarding RESPA, HMDA, MDIA, HVCC, Regulation B, Flood, and other regulations as applicable
Control loan files to ensure compliance with regulatory requirements
Expand and regularly update knowledge base regarding underwriting requirements for conventional, FHA, and VA loans