Mortgage Loan Originator

The Mortgage Loan Originator (MLO) proactively solicits residential mortgage business and sells secondary market mortgage products to meet established production goals.
They will continually identify, develop, and maintain a network of referral partners that serve as a recurring source of referrals for new mortgage lending opportunities.
The MLO responds to member inquiries and referrals that can come from Bank employees or from their own referral sources.
The MLO should provide excellent customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies, and adhering to HMDA.
Develop referral relationships through marketing, prospecting, and networking activities.
Participate in events that promote home ownership.
Meet with prospective members and review/analyze credit and financial data provided.
Determine the customers financing and objective goals.
Explain guidelines for secondary market products so the customer can make an informed choice of the product that best suits their needs.
Discuss pricing options and lock the customer’s interest rates during the loan process.
Collect supporting documentation as required and provide complete package to the LOA.
Work with LOA, Processors, and Closer to ensure all conditions are met to obtain a clear to close and all the way through Closing.
Attend as many loan closings as possible to ensure member satisfaction throughout Complete all required Bank of Dudley compliance training in a timely manner.
Maintain thorough knowledge of lending programs, policies, and procedures.
Perform all job functions in accordance with Bank of Dudley policies and procedures.
Skills and Qualifications One-year minimum mortgage lending experience with a working knowledge of FNMA, FHLMC, FHA, USDA, and VA loan products is preferred.
High school diploma or equivalent.
Associate’s degree or higher preferred.
Mortgage sales experience in conventional, FHA, USDA, and VA products preferred.
Excellent oral and written communication skills.
Working knowledge of first-mortgage real estate lending practices, including federal regulatory requirements, state regulations, and agency requirements.
Proficient analytical skills, with a high degree of accuracy.
Proficient in Microsoft Office 365.
Proficient in using office equipment, including computers, calculators, document scanners, copy machines, etc.
Ability to perform both in a team environment and independently as needed.
Ability to perform in a multi-task environment, with the ability to prioritize tasks.
Proven experience in meeting sales goals, goal setting, and customer relations.
National Mortgage Licensing System Requirements.
This role will be located in the Middle Georgia area and will report to the Head of Mortgage.
The Mortgage Loan Originator (MLO) proactively solicits residential mortgage business and sells secondary market mortgage products to meet established production goals.
Working Conditions Requires incumbent to remain sedentary within office (or home office, if approved).
Requires travel to other branches, offices (including realtors and attorney offices) to provide assistance and/or attend meetings.
Also, travel for seminars and training is required.
Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.
Duties, responsibilities and activities may change at any time with or without notice.
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.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear.
The employee is frequently required to stand.
The employee is occasionally required to walk, bend and stoop.
The employee must occasionally lift and/or move 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.
Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
EEO/AAP Our commitment to diversity and inclusion is helping us to create not only a great place to work, but also an environment where our employees, our customers and our communities can reach their goals and connect with each other.
All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or protected veteran status.
We are an Equal Opportunity, Affirmative Action employer.
Minorities, women, veterans and individuals with disabilities are encouraged to apply.