Mortgage Loan Officer

Mortgage Loan Officer

The Mortgage Originator originates residential mortgage loans in the secondary market, thereby providing a broader array of mortgage loan products to our customers and enhancing the bank's fee based income. The Mortgage Originator is to develop referral relationships with realtors, builders, bankers and other strategic partners for the purpose of generating residential mortgages through ongoing sales efforts, including Bank's Affordable Housing Loan Program.

Responsibilities :

• Meet with customer or prospective customer to identify client needs and to sell mortgage loan programs
• Interview applicants and requests specified information for loan applications such as credit history, income, assets, investments, debt, and other necessary documentation such as information about the property
• Analyze information provided by the customer and identifies customer needs and recommends the appropriate Bank product offerings and options
• Advise customers on the risks and benefits of an assortment of mortgage loan options to achieve the mortgage loan that is most appropriate based on their individual financial situation while helping them achieve their financial goals
• Communicate with or interviews applicants or creditors to resolve questions regarding application information.
• Remain primary contact with borrower during application to closing process to obtain documentation necessary to facilitate the mortgage loan process
• Analyze potential loan markets to develop prospects for loans.
• Develop new business from multiple sources while retaining existing business.
• Develop and maintain working relationships with realtors, builders and other strategic referral partners.
• Responsible for knowing underwriting guidelines and scenarios for conventions, FHA / VA, and subprime mortgages and staying up-to-date on market conditions
• Cross sell other Bank products to clients as the opportunity arises.
• Maintains thorough knowledge of pricing and underwriting requirements. Must be able to disclose and discuss parameters of various programs including pricing, interest rates, and fees associated with each loan program
• Submits complete loan packages for processing and final underwriting approval.
• Maintains the ability to pre-qualify clients at initial meeting.
• Based on the location within a market, may be required to promote / discuss consumer lending products with customers within compliance of the Safe Act guidelines and United procedures.
• Based on the location within a market, will be responsible for maintaining an active NMLS license by completing all training and annual renewal requirements as required

Qualifications :

Bachelor's degree or three years of direct related experience or equivalent combination of education and experience required.

Proficiency in Microsoft Office Products

Must have working knowledge of underwriting guidelines and other related regulations

Strong sales environment demeanor

Account Management and customer service focused

Strong attention to detail and ability to multi-task

Excellent written and verbal communications skills

Ability to identify potential banking opportunities and comfortable work with prospective clients

Knowledgeable in automated underwriting engines and capable of reviewing findings with a clear understanding of terms of approval

Ability to obtain strong product knowledge

Ability to travel frequently off-site of work location for client meetings or business development functions and opportunities.

Ability to work flexible hours to meet the client and business development requirements

Ability to possess a NMLS license or obtain NMLS license within a reasonable timeframe

Ability to complete ongoing NMLS training and ensure SAFE Act compliance as required

Key Competencies :

Ethical

Interpersonal Skills

Professional relationship building and client management skills

Professional Sales focused

Essential Functions :

Sitting or standing for extended periods of time.

Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.

Ability to converse and exchange information with all levels of staff within organization.

Ability to observe, perceive, identify, and translate data

Ability to travel via air, rail, automobile and / or bus.

At United, our strength is our people, and we are committed to nurturing an inclusive culture that is reflective of the communities we serve; celebrates diversity of thought, backgrounds, and experience; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.