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Mortgage Loan Originator

Company: The State Bank
Location: Saginaw
Posted on: September 5, 2019

Job Description:

The State BankJob Description Job Title: Mortgage OriginatorDepartment: Mortgage Lending DepartmentReports To: Mortgage Lending Department HeadLevel: 9SummaryThe primary function of the Originator is to market and originate residential mortgages to sources outside of the Bank including referrals from individual consumers, realtors, builders, accountants, prior clientele, civic organizations and referrals from branches and affiliates. Continuously builds and maintains a contact and network base within the CRA market area and represents the Bank in community events. Effectively cross-sell other Bank products and services and makes referrals to the commercial and trust and investment departments as needed.ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.Interview mortgage applicant(s), input customer information into mortgage operating system, order credit report, submit loan to automated underwriting system or non-conforming lender. Serve as the liaison between borrower(s), underwriter, processor and real-estate agent if purchase transaction.Negotiate program, rate and fees and educate customer on the mortgage process.Ensure adherence to all Federal and State lending requirements; RESPA, Truth-in-Lending, Good Faith Estimate, Government Monitoring, HUD approved buyers handbook and ARM disclosures, and TSB credit granting criteria.Responsible for all delivering all required disclosures within the required federally mandated time lines.Represent bank in the markets assigned and calls on all referral sources, both external and internal. Participate in community events and attend professional associations that apply such as; Home Builders Assoc., Realtor Assoc., and Chamber of Commerce events.Supervisory ResponsibilitiesThis job has no supervisory responsibilities.QualificationsTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.EDUCATION And/or EXPERIENCEBachelor’s degree (B.A.) from a four-year college or university, or a minimum of one to two years related experience and/or training; or equivalent combination of education and experience.Language SkillsAbility to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to communicate effectively with customers, and speak before groups of realtors, builders, employees, customers and civic organizations.Mathematical SkillsAbility to calculate figures and amounts such as lending ratios, percentages, payments, interest, proration, per diems, proportions, discounts, and commissions.REASONING ABILITY Ability to solve practical problems and deal with a variety of concrete and abstract variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, graphic or schedule form.Regulation Training RequirementsFair LendingRegulation BRegulation ORegulation PRegulation ZRESPABSA OverviewCERTIFICATES, LICENSES, REGISTRATIONS None requiredPHYSICAL DEMANDSThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is regularly required to talk and hear. The employee must also be able to drive and have a valid driver’s license and insurance. The employee is frequently required to stand and walk. The employee is frequently required to sit. Specific vision abilities required by this job include close vision.WORK ENVIRONMENTThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The noise level in the work environment is usually moderate.The State Bank, Genesee County's only community bank since 1898. Come join our team of 200 bankers that strive to offer a local banking experience to customers. Visit us online at www.thestatebank.com

Keywords: The State Bank, Saginaw , Mortgage Loan Originator, Other , Saginaw, Michigan

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