What are the responsibilities and job description for the Mortgage Loan Originator position at Jonestown Bank & Trust Co?
Description
JOB SUMMARY
The MLO will play a critical role in developing and maintaining a proactive sales and service culture, helping clients navigate the mortgage process from start to finish.
As a key liaison between the borrower and Jonestown Bank & Trust Co., the MLO will guide clients through loan applications, offering expert advice on mortgage options, and assisting with the refinancing or purchasing of homes. This role requires assessing clients’ financial needs, gathering necessary documentation, originating loan applications, and ensuring compliance with relevant regulations.
In addition, the MLO will actively seek referral sources outside of JBT branches to drive mortgage business, establishing and maintaining strong relationships with potential clients and partners.
DUTIES AND RESPONSIBILITIES
- Evaluate residential loan applications, reviewing credit reports, income documentation.
- Ensure adherence to HUD/FHA/VA/USDA and conventional guidelines, as well as company policies.
- Stay updated on regulatory changes and industry best practices.
- Collaborate with processors, and team members to gather required documentation.
- Efficiently manage a loan pipeline to meet deadlines and performance metrics.
- Maintain effective communication with borrowers, real estate agents, and stakeholders throughout the loan process.
- Address client inquiries and fulfill mortgage banking needs with a comprehensive understanding of JBT policies and services.
- Work closely with Compliance, Audit, and Mortgage departments to ensure viable solutions that protect JBT.
- Maintain registration with the National Mortgage Licensing System.
- Routinely integrate compliance considerations into daily tasks.
- Perform additional duties as assigned.
Requirements
SKILLS
- Minimum 3-5 years of experience in mortgage industry.
- Strong analytical abilities with meticulous attention to detail.
- Excellent written and verbal communication skills.
- Capability to work independently and make informed decisions under pressure.
- Proficiency in mortgage underwriting software and related technologies.
- Demonstrated integrity and professionalism.
- Ability to meet deadlines independently while ensuring client satisfaction.
- Comprehensive knowledge of JBT mortgage products, policies, and procedures.
- Effective written, verbal, and telephone communication and presentation skills.
- Capacity to collaborate across functions to foster client and employee loyalty.
- Strong relationship-building skills.
- Familiarity with office equipment including computers, telephones, copy machines, and scanners.
- Ability to lift approximately 25 lbs.
The above statements are intended to describe the general nature of work being performed. This is not an exhaustive list of all responsibilities.
