Mortgage Loan Originator 9/3/2016

Confidential Company San Antonio, TX

Company
Confidential Company
Job Classification
Full Time
Company Ref #
28237878
AJE Ref #
576086612
Location
San Antonio, TX
Job Type
Regular

JOB DESCRIPTION

APPLY
FUNCTION:

Provide mortgage loan origination services to the Bank's customers and prospective customers. Generate mortgage loans through branch and external marketing activities. Build loyalty and increase customer profitability by providing exceptional service and subject matter expertise.

DUTIES
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Participating in local real estate related organizations, developing Centers of Influence within the community, partnering with local non-profit organizations; and
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Developing and executing a targeted marketing effort to increase customer penetration.

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Initiate, analyze and recommend all mortgage loans for approval through available loan programs by:

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Interviewing applicants to develop financial and credit information;
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Analyzing and evaluating customer needs and recommending appropriate financing;
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Completing the loan application with necessary information and documentation;
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Researching and recommending appropriate programs and terms and insuring the availability of the terms by completing applicable lock procedures; and,
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Processing loan file for delivery to Underwriter.

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Insure compliance with mortgage loan origination regulations and guidelines including TILA/RESPA, Reg B, Reg C, Reg X, Reg Z, Privacy and CIP regulations.
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Establish relationships with customers and is the primary contact during the mortgage process. Maximize customer value through appropriate referrals to other bank partners.
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Participate actively in the bank's marketing program, community involvement projects and real estate financing organizations.
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Participate in promotional events as a creator, presenter or marketer to promote bank mortgage loan products.
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Register and maintain registry as a Mortgage Loan Officer (MLO) with the Nationwide Mortgage Licensing System (NMLS) and Registry and in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act).
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Meet and maintain financial responsibility, character and general fitness standards along with all other established requirements for an individual Loan Originator (LO) in accordance with Regulation Z.
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Assume other duties as assigned.

PERFORMANCE MEASURES

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New loans funded
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Customer contacts
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Business development activities

QUALIFICATIONS (REQUIRED):

WORK EXPERIENCE:

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3+ years residential lending and/or real estate, title company, legal experience
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Strong knowledge of TRID and mortgage regulatory compliance
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Excellent written and verbal communication skills.
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Excellent customer service skills
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Mathematical aptitude

EDUCATION:

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High School diploma or work related experience

EQUIPMENT AND MACHINES:

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Type 30 wpm
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10 key Calculator
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Experience with mortgage loan origination software
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Computer proficiency with Microsoft Office including excel and word

DESIRED SKILLS/ASSETS:

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Bilingual - English and Spanish, with written, verbal, and interpersonal skills in Spanish

LICENSES:

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Mortgage Loan Origination Eligibility as a Mortgage Loan Officer (MLO) and the Nationwide Mortgage Licensing System (NMLS) and Registry and in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act).

QUALIFICATIONS (PREFERRED):

WORK EXPERIENCE:

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5 years residential real estate lending or related industry sales experience
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Prior business development experience

EDUCATION:

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College degree

EQUIPMENT AND MACHINES:

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Experience with automated underwriting services such as FNMA Desktop Underwriter
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Experience with mortgage loan origination software such as Mortgagebot