What are the responsibilities and job description for the Mortgage Loan Originator position at Trustmark?
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 Trustmarks 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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