Mortgage Loan Originator

• Originate portfolio, secondary market conventional, FHA, VA, and RD loans compliant with investor requirements and applicable laws
• 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, laws, regulations, and mortgage industry changes
• Develop and maintain referral networks with Bank associates and external sources such as Realtors and Builders
• Manage a clean loan pipeline and coordinate daily with Processors, Underwriters, and Closers
• Deliver compliance documents and disclosures on time
• Collect complete loan applications and required documentation
• Prepare borrowers and keep all transaction parties updated
• Inform applicants of closing costs
• Coordinate closings with borrowers, closing agents, Realtors, and others
• Interview applicants about 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 of industry changes and collaborate with other business lines
• Maintain compliance knowledge and familiarity with related products and services
• Comply with applicable federal, state, and local banking and industry laws and regulations, including the Bank Secrecy Act

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