Retail Mortgage Loan Originator

Description

Are you an experienced mortgage loan officer looking to take your career to the next level? Community First National Bank is seeking a top-performing professional to join our team as an experienced Mortgage Loan Officer.

In this role, you will be responsible for helping customers obtain loans to purchase or refinance real estate. You will have a proven track record of success in gathering financial information, reviewing credit reports, and helping customers understand their loan options. Additionally, you will have a proven ability to generate your own referrals by networking with real estate agents, builders, and other potential referral sources and maintaining relationships with existing customers to encourage repeat business and referrals.

We understand that experienced professionals demand competitive compensation, and that's why we offer a highly competitive commission structure. This means that you will have the opportunity to earn a significant income based on your performance.

If you're ready for a new challenge and want to be part of a team of top-performing professionals, apply now to join Community First National Bank.

Requirements

Key Duties & Responsibilities

• Consistently manage and work with company-provided leads.
• Gathers loan file conditions files for missing/supporting documentation.
• Manage individual pipelines on a daily basis by completing new loan application reviews, condition reviews, and other loan originator tasks within established turn times.
• Communicate with processing and underwriting to provide updates and clarification on outstanding conditions and deficiencies identified on loans and to assist in interpreting underwriting guidelines.
• Analyze income from salaried, commissioned, self-employed, investments, and fixed income sources.
• Analyze assets statements for all types of asset accounts.
• Run DU and LP findings with published guidelines to address/resolve variances.
• Remain current on Company loan guidelines/secondary market investor requirements, pricing policies and VA regulations.
• Meet expectations for attendance and punctuality.
• Maintains and ensures complete and accurate compliance with RESPA, Regulation Z, Fair Lending, HMDA, Bank Secrecy Act, and other regulations regarding the mortgage application process.

Knowledge, Skills & Abilities

• Excellent customer service skills, attentiveness, and information retention.
• Detail-oriented, a high degree of accuracy.
• Self-starter, ability to work independently
• Strong communication & organizational skills.
• Ability to work in a fast-paced environment & under pressure as needed.
• The ability to make sound decisions. This may include making on-the-spot decisions regarding customer transactions, weighing customer satisfaction issues with the Bank’s exposure to loss or fraud, and the ability to think through and rationalize decisions.

Education & Experience

• NMLS Licensing required.
• High school diploma or GED equivalent required.
• 2+ years of current loan originator experience required
• Experience with automated underwriting systems (DU/LP) required.
• Current knowledge of FNMA/FHLMC, FHA, USDA, and VA guidelines, standards, and practices required.
• Previous experience with Encompass software preferred. 

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, scanners, filing cabinets, and fax machines. The noise level in the work environment is usually moderate.

This job offers the opportunity to work from home for the right candidate. The following are additional requirements if the individual is approved to work in a virtual environment from home:

• High-speed internet connectivity (hotspot not acceptable)
• A quiet, dedicated workspace
• Equipment will be provided if the candidate does not possess adequate eqiupment

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to sit; and talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. The employee may occasionally lift up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, and ability to adjust focus.