Mortgage Loan Officer

The Mortgage Loan Originator originates residential mortgage loans in the secondary market, providing a broader array of mortgage loans products to customers and enhancing the bank’s fee-based income. The MLO develops referral relationships with realtors, builders, bankers, and other strategic partners for the purpose of generating residential mortgages through ongoing sales efforts.

Requirements

• Meet with customer or prospective customer to identify client needs and to sell mortgage loan programs
• Interview applicants and requests specified information for loan applications
• Analyze information provided by the customer and identifies customer needs and recommends the appropriate Bank product offerings and options
• Communicate with or interviews applicants or creditors to resolve questions regarding application information
• Develop and maintain working relationships with realtors, builders and other strategic referral partners
• Responsible for knowing underwriting guidelines and scenarios for conventions, FHA/VA, and subprime mortgages and staying up-to-date on market conditions
• Cross sell other Bank products to clients as the opportunity arises
• Maintains thorough knowledge of pricing and underwriting requirements
• Submits complete loan packages for processing and final underwriting approval
• Maintains the ability to pre-qualify clients at initial meeting
• Works to coordinate efforts to increase loan production
• Promote/discuss consumer lending products with customers within compliance of the Safe Act guidelines and United procedures

Benefits

• Paid Time Off
• 401k Matching
• Health Insurance
• Life Insurance
• Dental Insurance
• Vision Insurance
• Flexible Spending Account
• Employee Assistance Program
• Education Assistance Program
• Disability Insurance
• Retirement Plan