Mortgage Loan Originator

Summary of Duties and Responsibilities

We are looking for a sales-oriented mortgage professional to provide outstanding customer service in our mortgage lending division. As a Mortgage Loan Originator, you will collect and analyze the customers financial profile and act as a trusted advisor to identify an appropriate mortgage product as well as other products and services to meet their financial needs. You will also investigate and develop opportunities to attract new customers, actively cultivating relationships with referral partners such as realtors, builders, bank colleagues, attorneys, former clients, CPAs, and others within your sphere of influence.

A Day in the Life

Your focus will be on the sales and origination of 1-4 single-family residential loans within predetermined guidelines and rates set forth by the Bank and its investors. Working with potential borrowers, you will analyze their income, assets, and liabilities to identify appropriate mortgage programs and successfully pre-qualify them for financing. Throughout the lending process, you will follow up with applicants and secure the necessary information to process, underwrite, and close the loan. As a goal-oriented person, you will strive to consistently achieve volume and/or unit production targets and cross-sell bank products where applicable.

Aligned with German Americans core values, you will project a positive attitude and act with integrity at all times, delivering best-in-class customer service. You are a continual learner, building on your industry knowledge and complying with pertinent state and federal laws and regulations, the companys compliance policy, and external compliance requirements, including but not limited to the Bank Secrecy Act (BSA).

You Are Part of a Team

You are a member of the mortgage team, which includes all mortgage lenders and operations staff. This role also has close ties with other business lines, including retail, commercial, and the wealth advisory teams. You also represent German American in the community, working toward community development and leadership through involvement in service, civic organizations, and community events and activities.

What it Takes

To be successful in this role, you will need:

• NMLS State License or Federal NMLS Registration, or willingness and ability to obtain
• 1 year of experience in real estate, mortgage, or sales equivalent
• Skills in: • Entrepreneurial and business development • Sales needs analysis - analyzing information regarding customer income, debts, etc. • Verbal, written, and interpersonal skills
• Knowledge of Conventional, VA, USDA, FHA, FNMA, and Portfolio underwriting guidelines, mortgage compliance regulations, business acumen, and judgment
• Bank mortgage products policies and procedures

Bonus Points

• Bilingual
• Multilingual

What We Can Offer You

We offer a comprehensive benefits package, including:

• Medical, dental, vision, STD, LTD, and Life insurance
• 17 days paid time off
• 11 paid holidays and bereavement leave
• Education Assistance Program
• Paid Parental Bonding Leave
• Wellness benefits
• Life event coverage
• Service awards
• Financial benefits, including a 401k match, stock purchase plan, and more
• Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping
• Logo wear discounts
• Free checking account checks and discounted bank services