[Hiring] Mortgage Loan Originator @Gateway First Bank

Role Description

The Loan Originator is responsible for originating residential mortgage loans to a client base of consumers through outside sales including self-sourcing, realtors, builders, and past clients. Spends majority of time outside of the office generating production (sales) through a self-selected schedule.

Qualifications

• Thorough knowledge of regulatory guidelines, as well as agency guidelines: FNMA, FHA, VA, and USDA.
• Thorough knowledge of Desktop Underwriter.
• Well-developed sales skills.
• Must be highly organized.
• Strong communication skills.
• Exceptional customer service skills.
• Proficient in MS Office applications.
• Ability to be active in the community and job-related organizations.
• Ability to creatively market multiple products through different forms of media.
• Ability to obtain appropriate State and Federal licenses, when required.
• Exemplifies the Gateway Values: Stay Growth Oriented, Make a Difference, "Get it Done" Attitude, Be a Team Player, Do the Right Thing.
• High School Diploma or equivalent.
• NMLS registration is required.
• 2-4 years of mortgage experience.

Requirements

• Exercises independent judgment and discretion to determine scheduled work hours for this position.
• Generates production sales from outside customers that may not be taking advantage of mortgage products via in-person meetings and outbound communications.
• Generates measurable production sales of 6 to 8 loans per quarter or $1.8 million per quarter.
• Establishes and maintains relationships through self-sourcing with realtors, builders, and the general public.
• Determines the marketing strategy approach with the appropriate products using various platforms and collateral materials.
• Collects and analyzes information regarding the customer's income, assets, and debt to adhere to regulatory, underwriting guidelines.
• Originates the mortgage loans, including pricing and locking pre-approved loan transactions.
• Follows up on leads, loan applications, missing items, and conditions.
• Performs oversight throughout the entire loan process and communicates loan status to all interested parties.
• Discloses terms of the loan to the applicant to meet Federal and State regulatory guidelines.
• Exercises awareness with regard to possible suspicious activity, money laundering, or fraudulent behavior.
• Performs all job functions in compliance with all company policies and federal, state, and local laws and regulations.
• Performs related responsibilities as required or assigned.

Company Description