Mortgage Loan Originator

• Originate portfolio loans, secondary market conventional, FHA, VA, and RD loans in compliance with investor requirements and applicable laws and regulations
• Promote Bank products and services to existing and potential community clients
• Provide expert mortgage advice to potential borrowers
• Stay current with underwriting policies, investor guidelines, applicable laws and regulations, and mortgage-industry changes
• Develop and maintain referral networks with Bank associates and external referral sources
• Manage a clean loan pipeline and coordinate daily with Processors, Underwriters, and Closers
• Deliver compliance documents and disclosures on time
• Collect complete applications and required borrower documentation
• Prepare borrowers for the process and provide status updates to all involved parties
• Inform applicants of closing costs
• Coordinate closings with borrowers, closing agents, Realtors, and others
• Interview applicants and document income, debt, and credit history
• Determine whether applicants meet establishment standards
• Answer applicant questions and obtain authorization signatures
• Submit applications to Mortgage Loan Processors for verification
• Resolve application discrepancies
• Inform applicants of loan denial or acceptance
• Keep Bank associates informed about industry changes and collaborate with other lines of business
• Maintain compliance requirements and knowledge of Bank and affiliate products and services
• Comply with applicable federal, state, and local banking and industry laws, including the Bank Secrecy Act
• No supervisory responsibilities

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