Mortgage Loan Originator

Overview

The purpose of this job is to serve all customers by providing mortgage loan information, disclose fees, and gather data necessary to process mortgage requests.

Responsibilities

• Determine the best loan product for customer

• Devise marketing plans to seek referrals from agents and builders

• Provide guidance for loan inquiries related to pricing, product information, documentation requirements, payments, closing costs and qualifying requirements

• Complete applications and gather documents as needed to meet the parameters of the loan type, i.e., FHA, VA, Conventional, portfolio, etc

• Develop referrals from internal and external sources. Maintain relationships with realtors by providing superior service

• Originate and promote Trustmark's Community Lending Loans and Products

• Coordinate and assist the mortgage dept. in the origination and servicing of Community lending products and services

Qualifications

• Minimum of 2 years' experience originating agency eligible mortgage loans or equivalent experience in underwriting or processing of agency eligible mortgage loan products

• Eligible for NMLS certification

• Thorough knowledge of government and conventional mortgage loan guidelines and requirements

• Extensive knowledge of the qualifying variables between mortgage loan products

• Ability to analyze all documentation to determine accuracy and acceptability for agency and portfolio requirements

• Knowledge of appraisal standards and acceptability

• Ability to produce tax return analysis as required by conforming loan guidelines

• Must know how to fully disclose and handle all applications according to compliance regulations

• Ability to work and identify with a varied group of borrowers, housing related entities and other community-based organizations

• Working knowledge of financial compliance and regulatory requirements

• Computer skills

• Interpersonal Skills

• Sales skills

• Communication skills

• Analytical Skills

• Junior college/Two-year college training preferred