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Hope Enterprise Corporation · 19 hours ago

MORTGAGE LOAN ORIGINATOR

Jackson, GA

Full-time

Onsite

Mid Level

3+ years exp

Hope Enterprise Corporation provides financial services and advocacy to strengthen the financial wealth of under-resourced communities in the Deep South. The Mortgage Loan Originator is responsible for originating home loans, counseling customers, and developing new business in their regional area.

CommunitiesFinancial ServicesNon Profit

No H1B

Responsibilities

Leads and supports Strengthening HOPE Initiative that values an organizational culture for open communication, innovation, associate engagement and other traits that contribute to collaboration and high performance

Meet with applicants to obtain information for loan applications and to answer questions about the process. This includes, but is not limited to, initial review of pay stubs, tax returns, bank statements and credit bureaus

Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans with the ability of setting reasonable expectations of outcomes

Explain to customers the different types of loans and credit options that are available, as well as the terms of those services

Obtain and compile copies of loan applicants' credit histories, financial statements, and other applicable financial information to determine eligibility for loan approval

Review and update credit and loan files

Review loan agreements/sales contracts to ensure that they are complete and accurate according to policy

Handle customer complaints and take appropriate action to resolve them

Confer with underwriters/processors to aid in resolving mortgage application problems

Market bank products to individuals and firms, promoting and cross-selling bank services that meet customers' needs

Develop relationships with realtors, builders and community organizations that aligns with Hope’s mission

Ensure all feedback is communicated with the borrower in a timely manner

Required to meet minimum quarterly/annual production goals. The goals will be set annually and will be at the beginning of each year and reiterated monthly. If the goals are not met, MLO may be subject to disciplinary action

Supports mortgage department by working on team-based opportunities to continue to develop new products to meet member needs and mission of Hope

Perform general administrative duties such as attending meetings, report production, etc

Work with other departments when needed on projects related to the mission of HOPE

Represent HOPE at functions

Develop and maintain referral sources

Qualification

Mortgage experienceSecondary lending knowledgeCompliance knowledgeCalyxDesktop UnderwritingLoan ProspectorBachelor’s degreeCustomer serviceRelationship building