Mortgage Loan Originator

Overview The purpose of this job is to serve all customers by providing mortgage loan information, disclose fees, and gather data necessary to process mortgage requests.

Responsibilities

• Determine the best loan product for customer
• Devise marketing plans to seek referrals from agents and builders
• Provide guidance for loan inquiries related to pricing, product information, documentation requirements, payments, closing costs and qualifying requirements
• Complete applications and gather documents as needed to meet the parameters of the loan type, i.e., FHA, VA, Conventional, portfolio, etc
• Develop referrals from internal and external sources
• Maintain relationships with realtors by providing superior service
• Originate and promote Trustmarks Community Lending Loans and Products
• Coordinate and assist the mortgage dept. in the origination and servicing of Community lending products and services

Qualifications

• Minimum of 2 years experience originating agency eligible mortgage loans or equivalent experience in underwriting or processing of agency eligible mortgage loan products
• Eligible for NMLS certification
• Thorough knowledge of government and conventional mortgage loan guidelines and requirements
• Extensive knowledge of the qualifying variables between mortgage loan products
• Ability to analyze all documentation to determine accuracy and acceptability for agency and portfolio requirements
• Knowledge of appraisal standards and acceptability
• Ability to produce tax return analysis as required by conforming loan guidelines
• Must know how to fully disclose and handle all applications according to compliance regulations
• Ability to work and identify with a varied group of borrowers, housing related entities and other community-based organizations
• Working knowledge of financial compliance and regulatory requirements
• Computer skills
• Interpersonal Skills
• Sales skills
• Communication skills
• Analytical Skills
• Junior college/Two-year college training preferred