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Central Bank · 5 hours ago

Consumer Direct Loan Originator

United States

Full-time

Remote

Entry, Mid Level

2+ years exp

Central Bank is a financial institution seeking a Consumer Direct Loan Originator. The role involves originating real estate loans, maintaining customer relationships, and ensuring compliance with lending guidelines while providing excellent customer service.

FinanceFinancial Services

Responsibilities

Originate real estate loans in accordance with Federal guidelines and established lending objectives, policies and procedures

Establish and maintain positive relationships with existing and potential customers

Contact bank provided leads within a timely manner and as directed by supervisor, and also promotes and develops relationships with referral sources such as realtors, builders, attorneys, and other affinity groups to generate additional mortgage leads

Interview applicants and request appropriate credit documentation and specified information for loan application

Analyze applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan

Compile upfront compliance information and assure timeline requirements are met

Answer applicant questions. Correspond with applicant to resolve questions regarding application information

Match applicant's needs and qualifications with potential loan programs. Ensure loan meets selected program guidelines

Submit loan package to Processor for processing in a timely manner

Work closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines

Inform applicants of loan approval, denial or outstanding conditions

Handle correspondence with applicant in regards to locking of loan and handles actual locking process in accordance with current company procedures and requirements

Provide excellent customer service and solves customer related problems quickly

Maintain and enhance market awareness including economic information, housing data and competitive trends; based on this information, helps develop programs or recommends product enhancement to address customer needs

Maintain and enhance personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position

Establish and maintain positive working relationships with Realtors, Business Partners and any other potential business sources

Support and cultivate bank referrals and relationships

Communicate with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image

Perform other duties when assigned

Qualification

Loan origination experienceSales skillsEncompass softwareBasic accounting skillsFinancial calculator usageDetail orientedOrganizational skillsTime management skillsProblem solving skillsWritten communicationVerbal communication