Mortgage Originator - Naples, Florida

Job Title : Mortgage Originator

Reports to : Vice President of Mortgage Services

FLSA Status : Non-Exempt

Salary Grade : Commission

Salary Grade : 15,000

Supervisory Responsibility : No

SUMMARY :

The Mortgage Originator is responsible to increase the mortgage loan portfolio by developing business contacts; attracting mortgage customers; completing mortgage loan application, processing, and closings.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by supervisor.

• Develop a business referral network through marketing, cold-calling, prospecting and networking activities. A mortgage loan officer's network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.
• Participate in community efforts to promote home ownership.
• Follow up on internet and branch referrals on prospective customers.
• Meet with prospective borrowers.
• Review and analyze credit and financial data to determine borrower financing objectives and goals.
• Present appropriate Bank products and programs and explain guidelines.
• Advise of pricing and terms as required. Identify appropriate opportunities to sell additional products.
• Collect supporting loan documentation as required and provide complete package to the Mortgage Department.

REQUIRED EDUCATION / EXPERIENCE :

PREFERRED EDUCATION / EXPERIENCE :

POSITION TYPE / EXPECTED HOURS :

This is a full time position. Office hours Monday - Friday 8 : 30am - 5 : 00pm. Evening and weekend work may be required as job duties demand.

TRAVEL :

Travel using personal vehicle, occasional overnight travel. Valid driver's license required.

LANGUAGE SKILLS :

Must be able to speak, read, write, and understand the primary language(s) used in the workplace ; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers.

PHYSICAL DEMANDS :

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORK ENVIRONMENT :

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently exposed to outside conditions. The employee is occasionally exposed to a variety of extreme working conditions, such as construction sites. The noise level in the work environment or at certain sites can be loud.

OTHER DUTIES :

Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

EQUAL EMPLOYMENT OPPORTUNITY STATEMENT :

Trustco Bank is an equal opportunity employer. It is the policy of Trustco Bank to afford equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status.

This includes, but is not limited to, the following :

It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

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