Sr. Mortgage Loan Originator: Denver Area

Independent Bank Group, Inc Denver , CO 80208

Posted 2 months ago


The incumbent originates mortgage files and assists with processing and underwriting conditions when necessary. This is a full-time/non-exempt position with full benefits and is primarily commission-based. The person hired may work from any of our available branches.

Job Description


  • Pre-qualifies all borrowers for both interim and permanent real estate loans.

  • Gathers all necessary loan documentation from customer to submit loan.

  • Inputs loan application on Mortgage Origination software, evaluates documents and compares for accuracy.

  • Responsible for ordering credit reports through the bank's software and making a printed copy.

  • Submits loan documentation for approval.

  • Orders appraisals and title work when needed.

  • Assists Processors by helping compile conditions of loan approvals to submit to underwriting for final approval.

  • Back-up closing function when necessary by ordering documents, complete fee sheets and schedule closings.

  • Compares competitive mortgage rates daily and price the Bank's daily quotes when necessary.

  • Locks in interest rates with lender on lender software when necessary.

  • Submits monthly commission report to manager by the first working day after month end (using Word and Excel)

  • Completes compliance and other job related training as required

  • Refers unusual or suspicious activities or transactions to the BSA officer immediately

  • Complies with all department and bank policies and procedures and maintains compliance with State and Federal Regulations

  • Contributes to the fulfillment of the department and the bank objectives and goals

  • Performs as a team member, and completes any other job-related duties as assigned


  • High School Diploma or equivalent. Education should include the successful completion of recent mortgage courses (conventional and FHA lending). Must have a thorough knowledge of mortgage regulations, as well as the recent changes on guidelines for all 1-4 family residential loans.

  • Minimum of 4 years of experience in all aspects of mortgage lending and originating.

  • Ability to proficiently use a computer, including knowledge of Windows based software.

  • Detailed oriented and well organized.

  • Strong customer service skills.

  • High degree of accuracy.

  • Ability to review appraisals.

  • Knowledgeable in using various types of mortgage software applications.

  • Proficient ability to run Automated Underwriting Systems.

  • Familiar with all mortgage compliance laws (RESPA, HMDA, REGZ, etc).

  • Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.

icon no score

See how you match
to the job

Find your dream job anywhere
with the LiveCareer app.
Mobile App Icon
Download the
LiveCareer app and find
your dream job anywhere
App Store Icon Google Play Icon

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Community Reinvestment Act Mortgage Loan Originator Multiple Locations

US Bank

Posted 1 week ago

VIEW JOBS 8/3/2020 12:00:00 AM 2020-11-01T00:00 Originates Community Reinvestment Act (CRA) loans in an assigned metropolitan territory. Develops referral relationships with realtors, builders, bankers, and other sources for the purpose of originating residential loans through ongoing sales efforts. Takes mortgage applications, conducts preliminary underwriting reviews, and submits loan applications to processing. Remains the front line contact with customers and realtors for follow up documentation needed to approve and close loan. Informs customers of other products and services that meet their needs. Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations. Incumbents are expected to spend a minimum of 50% of their time conducting their activities away from U.S. Bank locations. This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment. Basic Qualifications * High school diploma or equivalent * Minimum one year of mortgage, sales, real estate, or banking experience * Ability to travel Preferred Skills/Experience * Well-developed sales ability * Thorough understanding of the Community Reinvestment Act * Basic knowledge of pricing and underwriting requirements of various mortgage insurance companies * Working knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors, as gained through on the job training or some real estate brokerage experience * Basic knowledge of local, state and national laws (e.g., zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.) * Ability to work independently * Ability to analyze financial information * Excellent verbal and written communication skills * Fluent in Korean, Spanish and/or Vietnamese US Bank Denver CO

Sr. Mortgage Loan Originator: Denver Area

Independent Bank Group, Inc