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Cogent Bank · 4 months ago

External Residential Mortgage Loan Originator

Orlando, FL

Full-time

Onsite

Entry, Mid Level

2+ years exp

Cogent Bank is committed to becoming a top-performing diversified financial provider. They are seeking an External Residential Mortgage Loan Originator responsible for soliciting and originating residential mortgage loans while ensuring high-quality customer service and loan quality.

Banking

Responsibilities

Attract new mortgage loan applications through existing relationships, specifically with realtors, builders, investment advisors, other referral partners and centers of influence

Regularly make sales visits to referral partners and centers of influence, marketing the Bank’s mortgage loan products and services accurately and effectively, including explanation of risks and benefits

Interview prospective customers to understand their needs and explain mortgage products and terms

Obtain relevant information (data and documents) and evaluate prospective customers’ financial status, including credit, employment, income, assets, and appraisal report(s), to establish recommendation for loan approval

Consistently communicate with prospective customers, including status of loan applications, answering questions, explanation of underwriting conditions including additional documentation needed and scheduling of closing

Maintain current knowledge of all applicable lending regulations, agency, government and investor guidelines along with the economy, interest rate environment, vendors, and competitors

Conduct all business in a professional and ethical manner to serve customers and increase the goodwill of the Bank

Ensure BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses

All other tasks, responsibilities, or duties, as directed by management

Qualification

Active NMLS LicenseMortgage origination experienceSales skillsEncompass knowledgeOptimal Blue knowledgeService mentalityWritten communicationVerbal communicationThrive in fast paced environment