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Hancock Whitney · 3 days ago

Mortgage Loan Originator

River Ridge, LA

Full-time

Onsite

Entry, Mid Level

2+ years exp

Hancock Whitney is a financial institution seeking a Mortgage Loan Originator. The role involves originating various types of loans, providing mortgage advice, and managing a clean pipeline of loans while ensuring compliance with all relevant regulations.

BankingFinancial Services

Responsibilities

Provides expert mortgage advice to potential borrowers

Stays current with Bank's underwriting policy; Investor guidelines; Applicable State and Federal laws and regulations and Changes in other aspects of the mortgage industry

Develops and maintains referral networks of Bank associates and external referral sources such as Realtors, Builders, friends, family and others in the community

Manages a clean pipeline of loans in process coordinating with Processors, Underwriters and Closers on a daily basis

Delivers all compliance documents and disclosures in a timely manner

Takes a very complete application and collects all required documentation (such as income tax return, bank account number, purchase agreement, and property description, etc.) for verification

Prepares the borrower(s) for the process and keeps ALL of the parties involves in the process, up to date on all important developments and current status of application

Informs applicant of closing costs such as appraisal, credit report, and notary fees

Coordinates the closing with the borrower(s), closing agents, Realtors and others involved in the transaction

Interviews loan applicants to document income, debt, and credit history

Determines if applicant meets establishment standards for further consideration

Answers applicant's questions and asks for signature on information authorization forms

Submits application forms to Mortgage Loan Processor for verification of application information

Calls applicant or other persons to resolve discrepancies, such as credit report showing late payment history

Informs applicant of loan denial or acceptance

Keeps Bank associates up to date on changes in the industry and works as a team member with the other lines of business

Keeps all compliance requirements up to date and maintains a working knowledge of the products and services provided by the other lines of business and Bank affiliates

Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act

Qualification

Mortgage origination experienceNMLS registrationMortgage lawsSales experienceMicrosoft Office proficiencyAnalytical skillsCustomer service skillsCommunication skillsOrganizational skillsPresentation skills

Required

2 years of sales experience required

This position requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. As such, upon active employment you will be required to either register on NMLS or re-register and move your previous registration. Your continued employment in this position is contingent upon successful registration immediately after your start date and annual renewal of your registration thereafter. In addition, information obtained during the registration process may impact your employment

Knowledge of all Mortgage laws, procedures, rules, regulations, etc. on a federal, relevant state, local and bank-wide basis

Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, PowerPoint and Access; Ability to learn or knowledge of Outlook email program

Excellent communication, analytical, customer service and organizational skills

Ability to work effectively with all levels of personnel

Strong presentation skills

Ability to travel if required to perform the essential job functions

Ability to work under stress and meet deadlines

Ability to operate related equipment to perform the essential job functions

Ability to read and interpret a document if required to perform the essential job functions

Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement