Banking Regulations, Banking Services, Coaching, Communication Skills, Computer Software, Consumer Loans, Credit Analysis, Credit Reports, Cross-Selling, Customer Support/Service, Federal Housing Administration (FHA), Federal Laws and Regulations, Freddie Mac (FHLMC), High School Diploma, Loan Origination, Loans, Maintain Compliance, Marketing, Microsoft Office, Mortgage Lending, Presentation/Verbal Skills, Pricing, Problem Solving Skills, Product Pricing, Regulations, Residential Mortgages, Retail, Sales, Sales Prospecting, Secondary Markets, State Laws and Regulations, Team Player, Time Management, United States Department of Agriculture (USDA)
PA0445 Williamsport
Job Description
The Mortgage Loan Originator is responsible for proactively soliciting new residential mortgage business through internal and external sources in an assigned geographic area. This individual will participate in business related development opportunities, professional organizations, and community efforts to promote homeownership.
Essential Functions
- Ensure compliance with third party agencies and vendors
- Ensure exceptional customer service experience throughout the loan origination process.
- Interact with other team members and other departments in a professional manner
- Submit complete credit applications with supporting documentation
- Develop and maintain successful relationships with internal and external referral sources
- Prospect new mortgage lending opportunities
- Facilitate communication activities with customers and referral sources during loan origination process
- Review applications, credit files, and customer qualifications to determine appropriate loan products and pricing
- Counsel and coach loan applicants to assist them towards their goals and to deliver the best loan products for their needs
- Request timely loan rate locks for Secondary Marketing
- Maintain up-to-date knowledge of loan products including conventional, portfolio, FHA,VA, USDA-Rural Housing programs and secondary market rules
- Achieve production and quality goals
- Cross-sell other Northwest products and services to loan applicants
Additional Essential Functions
- Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
- Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
- Work as part of a team
- Work with on-site equipment
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Work Experience
- 3 - 5 years mortgage origination or sales experience
Education
General Employee Knowledge, Skills, and Abilities
Ability to establish effective working relationships among team members and participate in solving problems and making decisions
Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written
Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information
Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information
Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas
Additional Knowledge, Skills and Abilities
Ability to successfully meet production and quality goals
Knowledge of banking industry laws, regulations, and the retail origination process
Knowledge of conventional, government loan products and guidelines including Fannie Mae, Freddie Mac, FHA, USDA-Rural Housing and VA loans
Knowledge of Ellie Mae-Encompass Loan Origination software, Freddie Mac - Loan Product Advisor and Optimal Blue pricing engine
Knowledge of retail mortgage loan pricing
Sales skills with the ability to turn prospects into customers
Strong networking and organizational skills
Ability to work collaboratively and manage multiple deadlines and priorities
Licenses and Certifications
NMLS Registry
Per the SAFE Act, annual renewal as a condition of employment
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
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Northwest Savings Bank
The right direction can take you places in life.
The right bank can be your compass — especially when you look Northwest to discover a 115-year-old community bank with 167 locations in four states.
A bank where people really do make the difference.
At Northwest Savings Bank, we are local bankers making local decisions, committed to the communities we serve, and dedicated to the satisfaction and success of our friends and neighbors.
Every day, Northwest Savings Bank can take you where you want to go with best in class products and services for you and your business — including checking, Online banking, online bill pay, over 43,000 ATMs, and so much more.
Wherever you’re going in life — a dream home, a college education for the kids, a comfortable retirement, or just a better future — Northwest can take you there.
1,500 to 1,999 employees
https://www.northwestsavingsbank.com/