What are the responsibilities and job description for the Mortgage Loan Originator position at Trustmark Bank?
Overview
The purpose of this job is to serve all customers by providing mortgage loan information, disclose fees, and gather data necessary to process mortgage requests.
Responsibilities
- Determine the best loan product for customer
- Devise marketing plans to seek referrals from agents and builders
- Provide guidance for loan inquiries related to pricing, product information, documentation requirements, payments, closing costs and qualifying requirements
- Complete applications and gather documents as needed to meet the parameters of the loan type, i.e., FHA, VA, Conventional, portfolio, etc
- Develop referrals from internal and external sources. Maintain relationships with realtors by providing superior service
- Originate and promote Trustmark’s Community Lending Loans and Products
- Coordinate and assist the mortgage dept. in the origination and servicing of Community lending products and services
Qualifications
- Minimum of 2 years’ experience originating agency eligible mortgage loans or equivalent experience in underwriting or processing of agency eligible mortgage loan products
- Eligible for NMLS certification
- Thorough knowledge of government and conventional mortgage loan guidelines and requirements
- Extensive knowledge of the qualifying variables between mortgage loan products
- Ability to analyze all documentation to determine accuracy and acceptability for agency and portfolio requirements
- Knowledge of appraisal standards and acceptability
- Ability to produce tax return analysis as required by conforming loan guidelines
- Must know how to fully disclose and handle all applications according to compliance regulations
- Ability to work and identify with a varied group of borrowers, housing related entities and other community-based organizations
- Working knowledge of financial compliance and regulatory requirements
- Computer skills
- Interpersonal Skills
- Sales skills
- Communication skills
- Analytical Skills
- Junior college/Two-year college training preferred
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