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Residential Mortgage · 5 days ago

Mortgage Loan Originator -Vancouver, WA

Vancouver, WA

Full-time

Onsite

Mid Level

3+ years exp

Residential Mortgage is looking for professional and knowledgeable employees who take pride in their work. The Mortgage Loan Originator solicits and develops a variety of residential mortgage loans and maintains good sales relationships with realtors and other mortgage referral sources.

Financial ServicesReal Estate

Responsibilities

Receive and screen loan applications. Receive authorization to run applicant credit as well as review income/asset information, notify those applicants that are not qualified within the proper timeframe

Conduct the loan interview and secure the customer information necessary to initiate a loan transaction. Provide loan information and service to customers, realtors, and others as needed

Based on specific investor guidelines, determine if the borrower(s) qualify for the loan program applied for

Order a real estate appraisal for a purchase or refinance transaction

Maintain knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages

Develop and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages

Follow applicable state & federal laws and regulations

Comply with company, FNMA, FHLMC, FHA, VA and industry standard rules and guidelines

Other duties as assigned

Qualification

Lending experienceNational Mortgage LicensingFHA knowledgeVA knowledgeMS Office SuiteAnalytical skillsCommunication skillsOrganizational skills

Required

High School Diploma or equivalent

Three years of lending experience

Related military education/experience may be used as a substitute for education or work experience

Valid driver's license and reliable transportation

Registration and annual certification with the National Mortgage Loan Licensing Registry required

Exceptional communicator with the talent to easily identify issues, problems or concerns and mentor staff to self-discover resolutions and solutions

Ability to effectively present information and respond to questions

Excellent organizational skills and attention to detail

Thorough understanding of Federal Housing Authority (FHA), Veterans Affairs (VA), Federal National Mortgage (Fannie Mae), Alaska Housing Finance Corporation (AHFC), and other types of construction and conventional loans

Ability to read, analyze, and interpret financial statements, income tax returns, investor policies, and governmental regulations

Ability to manage priorities and workflow

Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm

Intermediate knowledge of MS Office Suite, including Word, Excel, PowerPoint, and Outlook

Ability to operate standard office equipment such as PC, printer, fax/copier, and telephone