Mortgage Loan Originator I

Description

JOB SUMMARY

The Mortgage Loan Originator I proactively solicits new residential mortgage business to meet established loan quality and production goals; continually identifies; develops and maintains a quality network of business relationships that may consist of real estate professionals, builders, professionals and personal contacts, LSNB and other referral sources.

ESSENTIAL DUTIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.

• Regularly participates in business development related opportunities, professional organizations and community activities to promote home ownership
• Conducts interviews with prospective borrowers in order to analyze financial and credit data
• Determines customer financing objectives, advises customers of product/pricing policies and guidelines
• Gathers any additional required information; ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements
• Demonstrates a commitment to professional ethics
• Solicits or takes residential mortgage loan applications; offers or negotiates the terms of residential mortgage loan applications
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy
• Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations
• Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML

Qualifications

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• A self-starting individual who possesses a High School Diploma or GED
• A minimum of two years of mortgage processing, underwriting or related mortgage experience.
• Demonstrated successful track record in prospecting, generating leads, closing business, and consistently meeting/exceeding production goals
• Verifiable, established network of referral business, including real estate professional and other centers of influence
• Solid time management skills and the ability to organize prioritize and perform multiple tasks simultaneously
• Ability to communicate clearly and effectively, both verbally and in writing across a variety of audiences
• Ability to demonstrate continuous commitment to professional ethics
• Ability to analyze and comprehend complex financial data and provide financial alternatives
• Professional and effective interpersonal skills
• Must be computer literate with working knowledge of Windows, Microsoft Word, Excel and the Internet
• Excellent analytical skills, attention to detail, and mental concentration are necessary for accurately performing tasks in a stressful environment with frequent interruptions
• Frequent travel to customers’ location may be required
• Good verbal and written communication skills
• Ability to travel within the community to seek new business opportunities
• Bilingual in English and Spanish is desired

ORGANIZATION

• This position reports to the Mortgage Division Manager
• This position does not oversee other positions

TRAINING REQUIREMENTS

All employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures. Failure to adhere to these requirements will be grounds for disciplinary action, including probation and possible termination.

COMMUNITY INVOLVEMENT

Lone Star National Bank’s Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity.  All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.

LSNB is an Equal Opportunity/Affirmative Action Employer and does not discriminate in the recruitment, hiring, and conditions of employment on the basis of race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, marital status, disability, age, veteran status, or any other status as protected by applicable laws.

Management reserves the right to change this position description at any time according to business needs.