Hancock Whitney · 20 hours ago
Secondary Market Mortgage Loan Originator
Tillman's Corner - Mobile, AL
Full-time
Onsite
Entry, Mid Level
2+ years expHancock Whitney is a financial institution seeking a Secondary Market Mortgage Loan Originator. The role involves originating portfolio loans and ensuring compliance with investor requirements and regulations while promoting bank products and services to clients in the community.
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
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
Preferred
Bachelor's Degree preferred
2 + years of Mortgage origination experience is preferred
Company
Hancock Whitney
Hancock Whitney is offers a wide array of banking and financial services.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Mike Achary
CFO
Shane Loper
Chief Operating Officer
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