Mortgage Originator

Job Description

The Mortgage Originator originates residential mortgage loans in the secondary market, thereby providing a broader array of mortgage loans products to our customers and enhancing the bank's fee based income. The Mortgage Originator is to develop referral relationships with realtors, builders, bankers and other strategic partners for the purpose of generating residential mortgages through ongoing sales efforts, including Bank's Affordable Housing Loan Program.

RESPONSIBILITIES:

• 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 such as credit history, income, assets, investments, debt, and other necessary documentation such as information about the property

• Analyze information provided by the customer and identifies customer needs and recommends the appropriate Bank product offerings and options

• Advise customers on the risks and benefits of an assortment of mortgage loan options to achieve the mortgage loan that is most appropriate based on their individual financial situation while helping them achieve their financial goals

• Communicate with or interviews applicants or creditors to resolve questions regarding application information.

• Remain primary contact with borrower during application to closing process to obtain documentation necessary to facilitate the mortgage loan process

• Analyze potential loan markets to develop prospects for loans.

• Develop new business from multiple sources while retaining existing business.

• 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. Must be able to disclose and discuss parameters of various programs including pricing, interest rates, and fees associated with each loan program

• Submits complete loan packages for processing and final underwriting approval.

• Maintains the ability to pre-qualify clients at initial meeting.

• Based on the location within a market, may be required to promote/discuss consumer lending products with customers within compliance of the Safe Act guidelines and United procedures.

• Based on the location within a market, will be responsible for maintaining an active NMLS license by completing all training and annual renewal requirements as required

Qualifications

Bachelor's degree or three years of direct related experience or equivalent combination of education and experience required.

• Proficiency in Microsoft Office Products

• Must have working knowledge of underwriting guidelines and other related regulations

• Strong sales environment demeanor

• Account Management and customer service focused

• Strong attention to detail and ability to multi-task

• Excellent written and verbal communications skills

• Ability to identify potential banking opportunities and comfortable work with prospective clients

• Knowledgeable in automated underwriting engines and capable of reviewing findings with a clear understanding of terms of approval

• Ability to obtain strong product knowledge

• Ability to travel frequently off-site of work location for client meetings or business development functions and opportunities.

• Ability to work flexible hours to meet the client and business development requirements

• Ability to possess a NMLS license or obtain NMLS license within a reasonable timeframe

• Ability to complete ongoing NMLS training and ensure SAFE Act compliance as required

KEY COMPETENCIES:

• Ethical

• Interpersonal Skills

• Professional relationship building and client management skills

• Professional Sales focused

Essential Functions:

• Sitting or standing for extended periods of time.

• Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.

• Ability to converse and exchange information with all levels of staff within organization.

• Ability to observe, perceive, identify, and translate data

• Ability to travel via air, rail, automobile and/or bus.

Company Profile

At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. Our 211 full-service banking offices and 15 loan origination offices in West Virginia, Maryland, Virginia, Ohio, Georgia, Pennsylvania, North Carolina, South Carolina and Washington, D.C. are each built on customer service and commitment to the community. United is backed by a history of safe, sound and secure banking practices that have allowed us to navigate through decades of changing economic environments. Because of this, our employees, customers, shareholders and communities can rely on us to be their banking partner for decades to come. At United, our strength is our people, and we are committed to nurturing an inclusive culture that is reflective of the communities we serve; celebrates diversity of thought, backgrounds, and experience; promotes respect and a shared purpose; and aligns with our core values. Member FDIC. Equal Housing Lender. Equal Opportunity Employer.

Nearest Major Market: Raleigh

Job Segment: Mortgage, Bank, Banking, Business Development, Finance, Sales