Mortgage Loan Originator

Description & Requirements

Mortgage Loan Originator

As a Mortgage Loan Originator, you will originate portfolio loans, secondary market conventional, FHA, and VA loans compliant with investor requirements and all State and Federal laws and regulations. You will also create a new mortgage loan business for the bank by working with realtors, builders, past clients, in-bank referrals, and other referral partners.

Your responsibilities as the Mortgage Loan Originator will include :

• Be active in the community and in job-related organizations to enhance the network of beneficial contacts to achieve mortgage sales goals and objectives
• Market and promote Liberty Bank's loan programs and financial products in the community
• Originate loans and meets the Company's minimum production standards by taking complete and accurate loan applications, using Liberty Bank's product set, processes, and systems
• Respond to customer inquiries and referrals that are generated from both their contacts and other Liberty Bank business channels
• Conduct interviews with prospective borrowers to analyze financial and credit data, determine customer financing objectives, advise customers of product / pricing policies and guidelines, and gathers any additional required information
• Take a complete application and collects all required documentation (such as income tax return, bank account number, purchase agreement, and property description, etc.) for verification
• Prepare the borrower(s) for the process and keeps ALL the parties involved in the process up to date on all critical developments and the status of the application
• Inform the applicant of closing costs such as appraisal, credit report, and notary fees
• Coordinate the closing with the borrower(s), closing agents, Realtors, and others involved in the transaction
• Ensure exceptional customer service by maintaining a thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies, and adhering to HMDA requirements
• Develop strong partnerships with employees to promote mortgage loan originations through the corporate footprint
• Build and maintain good relationships with customers and referral partners
• Exhibit consultative sales and promotional experience to provide recommendations based on financial analysis and acumen, product knowledge, and knowledge of the customer's financial needs, goals, and circumstances
• Maintain the mortgage file to ensure all paperwork and documentation are current and accurate
• Maintain, audit, and update loan documents in Encompass according to the Mortgage Department's policies and procedures
• Maintain current knowledge of the Bank's policies and procedures, as well as state and federal regulations, as they relate to documents and funding
• Reconcile all fees and figures relating to each loan accurately and timely
• Perform other duties as assigned

To be successful in this role, you should have :

Liberty's Bank and Trust's Best-in-Class Benefits and Perks :

Liberty Bank and Trust, America's first billion-dollar Black-owned bank, has proudly served communities across 11 states for over 50 years. We are building a team of mission-driven individuals committed to empowering people, businesses, and communities to thrive. By providing access to financial tools and services, we help achieve goals like homeownership, business growth, and financial education. Whether it's a community, a burgeoning business, or untapped talent, we believe in the possibility of financial freedom. To find out more about our financial solutions and our community impact, visit us at : www.libertybank.net

If you're looking for a company where your ideas matter, your growth is supported, and your impact is acknowledged-Liberty Bank is the place for you.

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.