Mortgage Loan Originator

Job Summary:

The Mortgage Loan Originator is responsible for originating retail mortgage loans in accordance with all applicable laws and regulations and maintaining complete knowledge of the mortgage programs and investor requirements while working to expand the Bank's referral resources.

Essential Functions and Responsibilities:

• Manage all steps of the mortgage process, from accepting applications to communicating decisions and potential issues as they arise to loan closing.
• Work with post-closing and operations to facilitate the sale of loans to investors.
• Develop, maintain, and expand a referral database which drives potential mortgage clients to the Bank.
• Effectively manage a loan pipeline of existing and closed loans.
• Increase mortgage loan portfolio by developing business contacts and attracting mortgage customers.
• Meet mortgage operation standards by contributing accurate, complete, and timely information required for loan processing, closing, and delivery.
• Adhere to regulations as established by the CFPB, OCC, WIPFLI, and the Bank's internal compliance officer.
• Protect the Bank's interests while originating loans by detecting attempted deceit or fraud.
• Represent the Bank and its subsidiaries in an honorable and prudent manner reflecting the utmost integrity and service.
• Perform duties in a positive manner when assisting and working with fellow employees.
• Maintain proper and timely communications with fellow employees and clients.
• Complete and deliver disclosure statements and related documents to clients/loan applicants in compliance with written intent and in the spirit of all state and federal regulations governing home mortgage lending transactions.
• Maintain knowledge of the status of each loan file in process, including ensuring lock dates are satisfied.
• Comply with all requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).

Knowledge/Skills/Abilities:

• Excellent verbal and written communication and interpersonal skills.
• Ability to perform general financial computations.
• Working knowledge of basic underwriting for residential mortgages.
• Ability to perform basic mortgage calculations.
• Ability to maintain a high level of confidentiality when handling sensitive information.

Education/Experience/Licenses/Certifications:

• High school diploma or recognized equivalent required.
• Associate's degree or higher in business or finance preferred.
• 2+ years of experience in retail mortgage origination required.
• NMLS required.

Equipment/Software:

• Ability to operate general office equipment.
• Advanced knowledge of Microsoft Office products.

Physical Requirements:

The physical demands described are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is performed mainly in an office setting. Hand-eye coordination is necessary to operate computers and various pieces of office equipment.