Mortgage Originator
MortgageOriginator
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Mortgage Originator at Mortgage Originator. Skills: sales experience, mortgage loans, FHA/VA regulations, conventional loan requirements, real estate law. working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer’s financial needs and objectives. adhering to the requirements of federal registration under the SAFE Act”
Industry & Context.
May be required to travel to and work at prospective customers’ homes or business locations, federal registration under the SAFE Act
What They're Looking For.
Must Have
federal registration under the SAFE Act, Thorough knowledge of FHA/VA regulations, conventional loan requirements, real estate law
Nice to Have
General knowledge of personal computers and software programs utilized by Residential Mortgage Department, Proven sales ability, mathematical skills, Self-motivated, well-organized individual, Excellent verbal and written communication skills, Ability to interact with individuals at all income levels and peers in a professional manner, Demonstrated ability to work independently and to follow through on details to completion, Ability to work under critical time constraints
What You'll Do.
working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer’s financial needs and objectives
adhering to the requirements of federal registration under the SAFE Act
Interviews applicants to collect and analyze information regarding their income
debts and credit data as well as their needs
and earnings to assist in determining whether the loan will be an acceptable obtains and analyzes pertinent financial and credit data
Independently assesses applicant’s credit worthiness
Has authority to issue pre-qualification statement of borrowers’ eligibility
Determines which products best meet the customer’s needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs
Makes recommendations to customers regarding other bank products or to alternative lending vehicles
Cultivates new mortgage business
services and promotes the bank’s mortgage products
This includes the solicitation of residential first mortgages through contacts with Realtors
May be required to travel to and work at prospective customers’ homes or business locations
Follows-up on potential customers via travel or telephone
Negotiates terms and conditions of loan with mortgagors
Has authority to bind the bank in connection therewith
Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements
Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance
Independently monitors trends and developments in the local real estate market
as well as the changing rules and regulations pertaining to both private and government-insured mortgages
Represents the bank in the community and related functions to identify
develop and promote additional business
May present seminars to general public and real estate agents to promote additional business and community outreach
Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act
How You'll Work.
Team & Collaboration
internal contacts (other Bank personnel) primarily on sales calls outside the office; interact with individuals and teams internally and within the community assigned; developing new relationships and maintaining existing relationships
Communication Scope
Excellent verbal and written communication skills
Full Job Description
# **Overview:** Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer’s financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. ## **Primary Responsibilities:** * Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. * Independently assesses applicant’s credit worthiness. Has authority to issue pre-qualification statement of borrowers’ eligibility. * Determines which products best meet the customer’s needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. * Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. * Cultivates new mortgage business. Markets, services and promotes the bank’s mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. * May be required to travel to and work at prospective customers’ homes or business locations. Follows-up on potential customers via travel or telephone. * Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. * Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. * Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. * Independently monitors trends and developments in the local real
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