Mortgage Loan Originator
Company: CB&S Bank
Posted on: November 14, 2023
GENERAL FUNCTION OF MORTGAGE LOAN ORIGINATOR:
Originates and manages a pipeline of secondary market mortgage loan
applications and closes an acceptable volume of quality loans.
MAJOR DUTIES AND RESPONSIBILITIES OF MORTGAGE LOAN
- Attracts new mortgage loan applications and retains existing
business by developing relationships within builder and/or realtor
- Advises borrowers on loan products by examining application and
supporting documentation, and pre-qualifying for credit-worthiness.
Provides guidance and information relevant to the risks and
benefits of each program the borrower is qualified for; effectively
communicate the terms of each product.
- Meets mortgage loan operational standards by implementing and
maintaining productivity, quality, customer-service standards and
- Evaluates loan requests, analyzes financial data and determines
qualification of collateral and customer credit history.
- Structures loan to comply with acceptable lending practices and
- Prepares files for underwriting, loan committee, private
mortgage insurance company and investor including preparation of
loan approval sheet.
- Cross-sells other bank products and services.
- Maintains knowledge and follows all bank policies and
procedures related to processing, underwriting, and closing of
- Executes consultative sales strategies to drive exceptional
service and create trusted relationships.
JOB QUALIFICATIONS OF MORTGAGE LOAN ORIGINATOR:
- Minimum 3 years of experience in mortgage origination or
- Hold applicable licenses, as required.
- An advanced understanding of mortgage products and the ability
to comprehend and implement complex financial concepts related to
residential mortgage lending.
- Thorough knowledge of mortgage products and services offered as
well as market trends.
- Knowledgeable on agency and investor regulations and
- Excellent verbal/written communication skills.
- Good organizational skills.
- Ability to learn and adapt to market changes quickly.
- Ability to build strong relationships with production,
underwriting, closing and other internal and external
Keywords: CB&S Bank, Huntsville , Mortgage Loan Originator, Other , Huntsville, Alabama
Didn't find what you're looking for? Search again!