Mortgage CRA Loan Originator

Job Title : Mortgage CRA Loan Originator

Reports to : President of United Community Mortgage

Direct Reports : N / A

Salary Grade : N / A

SUMMARY

The position will have as its sole focus promoting mortgage lending opportunities to borrowers in Low to Moderate Income (LMI) geographies and to LMI borrowers within the bank's assessment areas to facilitate home ownership within the communities that we serve.

EDUCATION AND EXPERIENCE REQUIREMENTS

Basic Requirements

• An undergraduate degree in a related field or an equivalent combination of training and significant work experience within the financial services industry, bank operations, lending, community relations or related fields
• A minimum of 5 years of related experience within a regulated financial institution preferably a bank
• Demonstrated experience in initiating and managing projects and work across multiple departments and operational functions

Preferred Qualifications

JOB FUNCTIONS

Networks with community organizations, local business leaders, housing agencies, realtors, builders, and other referral sources to generate mortgage leads with focus on CRA products. Takes mortgage applications, conducts preliminary underwriting reviews, and submits loan applications to processing. Remains the front line contact with customers and realtors for follow up documentation needed to approve and close loans. Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from UCB locations. This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.