Reference #:MORTG011951

Must have the following to apply:

EDUCATION AND EXPERIENCE

• Knowledge of such fields as accounting, marketing, business administration, finance, etc.
• Equivalent to a four-year college degree, plus fouryears related experience and/or training, and twoyears related management experience, or equivalent combination of education and experience

COMMUNICATION SKILLS

• Ability to read, analyze, and understand general business/company related articles and professional journals
• Ability to speak effectively before groups of customers or employees

MATHEMATICAL SKILLS

• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume
• Ability to apply concepts such as fractions, ratios, and proportions to situations

CRITICAL THINKING SKILLS

• Ability to solve problems and deal with a variety of known variables in situations where only limited standardization exists
• Ability to interpret a variety of instructions furnished in written, oral, or diagram formats

SOFTWARE SKILLS REQUIRED

• Intermediate: 10-Key, Accounting

Required Screenings:

Drug Testing/Screening, Background Checks, Credit Checks, Reference Checks.

Job Description:

The Mortgage Loan Originator solicits residential first mortgages through contacts with Realtors, builders, and developers. Interview loan applicants and make credit decisions. The MLO is responsible for handling referrals and developing referral contacts within the bank region.

• Work with assigned branch office to ensure awareness of home loan products
• Handle referrals from branch office and provide appropriate follow-up
• Develop referral contacts (realtors, builders, professional and personal contacts)
• Analyze financial data to determine creditworthiness
• Maintain knowledge of available loan products, processing procedures, and underwriting guidelines
• Take borrower applications
• Utilize communication and access to daily rates, credit reports, and DU responses and transmit to the processor
• Collect documentation from each applicant and deliver loan package to processor in a timely manner
• Maintain high levels of customer service while managing each applicant's and support staff's expectations
• Attend and participate in all lending meetings as required
• Complete BSA/AML training and other compliance training as necessary
• Perform any other related duties as required or assigned

RESPONSIBILITY FOR WORK OF OTHERS

• The level of direct supervisory responsibility for the assignment of job duties, training, leadership, guidance, needs of employees, hiring, terminating, and/or direction of the effort of others
• Scoring will depend upon the number and classification of people normally supervised or directed, and the scope of difficulty of the operations involved in the supervisory responsibility
  • (Job classification which involves no supervision will not be assigned a point value for this factor)

WORKING CONDITIONS

• Continuously exposed to one or two elements such as noise, intermittent standing, walking, and occasional pushing, carrying, or lifting

ENVIRONMENTAL CONDITIONS

• The noise level in the work environment varies

PHYSICAL ACTIVITIES

• Semi-repetitive, low physical
• Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks
• While performing the functions of this job, the employee is frequently required to sit and occasionally required to stand, walk, stoop, kneel, crouch, or crawl
• The employee must occasionally lift and/or move up to 10 pounds

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