Mortgage Loan Originator

Company: United Bank
Location: Rogers
Posted on: May 9, 2022

Job Description:

Job Description Summary: Solicit new residential mortgage business and sell United Bank mortgage products to meet established loan quality and production goals. Analyze information and provide advice to assist customers in choosing the appropriate financial product for the purchase or refinance of residential property. Duties: Interview applicants to develop information concerning mortgage needs. Obtain and analyze pertinent financial and credit information and determine which loan option fits the applicant---s needs and circumstances. Prequalify applicant, negotiate rates, terms, and conditions of the loan. Take complete and accurate loan applications and transmit the information into the appropriate software systems for tracking, processing and underwriting purposes. Ensure the timely preparation and delivery of all forms and legal disclosures as required by regulatory guidelines. Maintain complete, detailed, and accurate knowledge of investor program and agency guidelines to minimize credit and/or rate risk to the Bank. Ensure that all loan applications are originated, developed, and closed in a timely and professional manner. Follow all applicable laws and regulations. Develop and maintain a network and relationship with area realtors and builders to maintain a strong referral business of loan applicants. Determine and recommend conditions, terms and risks of residential real estate to applicants and to organization. Promote and refer United Bank products and services and further establish business relationships when possible. Represent United Bank in a positive and professional manner. Perform other duties as assigned. Skills, Knowledge, Abilities: Working knowledge of mortgage processing, underwriting and closing procedures. Ability to use mortgage loan systems and software necessary to perform the duties. Basic knowledge of Encompass is preferred. Working knowledge of federal and state regulations governing real estate lending. Advanced knowledge of conventional and /or government lending guidelines. Possess proven business development skills Work well in a fast paced, deadline driven environment. Ability to make independent decisions. Ability to multi-task. Show strong initiative. Advanced organizational and time management skills. Interpersonal skills to communicate with customers, vendors, and colleagues in a courteous and professional manner at all times. Strong desire to work in a team environment and support the Bank with a positive attitude. Foster a culture consistent with our core values of Do the Right Thing, Respect, Positivity, Innovation, Teamwork and Accountability. Education: High school diploma or equivalent Bachelor degree in business or related field preferred Experience: 1 year mortgage lending experience Mortgage lending experience in northwest Arkansas preferred Certificates, Licenses, Registrations Must abide by all SAFE Act requirements, including registration and renewal. Powered by JazzHR 5CWBsInPJp

Keywords: United Bank, Rogers , Mortgage Loan Originator, Other , Rogers, Arkansas