Mortgage Direct Loan Originator

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JOB FUNCTION / SUMMARY :

The Mortgage Direct Loan Originator is responsible for the origination of primarily conventional, VA, and FHA loans, compliant with investor requirements and all state and federal laws and regulations. The Mortgage Direct Loan Originator is focused on the use of digital platforms and technology to streamline the mortgage process, providing exceptional digital services and solutions to existing and potential clients with a focus on inclusive banking opportunities. By leveraging digital analytics, engaging in consultations, and utilizing the company's digital communication tools and platforms, the Mortgage Direct Loan Originator is expected to build and maintain relationships that allow for the sourcing of additional products and services related to marketing and sales initiatives. The Mortgage Direct Loan Originator is responsible for diligently following up on leads provided by the company using various contact methods, ensuring careful management and effective conversion of these opportunities.

ESSENTIAL DUTIES & RESPONSIBILITIES :

• Maintain proactive and continuous communication with clients throughout the loan process, utilizing digital platforms to provide updates, gather documentation, and address inquiries.
• Discuss and consult on loan products and qualification criteria, providing digital support and guidance to current and potential clients to enhance their understanding and comfort with the mortgage process and the bank's services.
• Engage in digital marketing and outreach efforts to promote loan products and services, utilizing Encompass (LOS), Sales Relationship Management (CRM) Salesforce, Five9, and any other tools provided for this purpose to maximize sales results
• Apply digital tools for the analysis of loan applications, financial data, and client needs to make informed decisions and recommendations, improving the customer experience.
• Stay abreast of technological advancements and digital trends in the mortgage banking industry, employing a variety of tools, knowledge, and platforms to optimize loan processing, underwriting, and customer service.
• Ensure all digital mortgage processes comply with state and federal regulations and laws for acceptable lending practices.
• Utilize technology to streamline operations, reduce errors, and increase the efficiency and speed of loan approvals.
• Adhere to set goals and metrics measuring performance and sales effectiveness.
• Collaborate with associates throughout the bank to generate referrals that align clients with the appropriate channel.
• Respond promptly to inbound inquiries and actively engage with provided outbound leads during designated business hours.

SUPERVISORY RESPONSIBILITIES :

None.

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE :

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS :

Equal Opportunity / Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.