Mortgage Loan Originator

3 weeks ago

Three Rivers, United States Horizon Bank Full time
Job Overview

Assist customers in securing conventional, lot, construction and FHA/VA/USDA residential mortgage loans in accordance with company policies and established Standard Operating Procedures (SOPs). Ensure compliance with state and federal regulations while meeting sales goals. Responsible for all aspects of the Mortgage Loan Origination process including accurate, efficient and timely handling from receipt of the loan application to attending the closing. Must attain and maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry). Work within a team to ensure loans progress through the pipeline efficiently and effectively and close within the rate-lock period.

Principal Accountabilities

Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. Accountable for adherence to compliance standards including Bank Secrecy Act (BSA), quality of documentation, timeliness and volume of loans closed. Identify financial objectives and refer clients to other bank services. Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities in which we serve through active involvement in local organizations and events.

Duties
  • Develop and execute effective marketing plans to meet or exceed mortgage loan production goals.
  • Market, service and promote the bank's mortgage products, including the solicitation of residential first mortgages through contacts with Realtors, builders, developers, closing agents, social media and other referral sources.
  • Independently monitor trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both conventional and government insured mortgages.
  • Interview potential borrowers applying for residential mortgage loans to understand their needs.
  • Analyze and screen preliminary loan requests on varied types of mortgage loans to determine which products best meet the customer's needs and financial circumstances. Provide advice regarding the advantages and disadvantages of different financial products and recommend the most appropriate mortgage loan program for the customer.
  • Outline loan terms and conditions, and inform prospective borrowers of loan commitment.
  • Enter loan application into LOS (Loan Operating System), order credit reports, and upload to AUS (Automated Underwriting System). Collect critical documents from borrower and submit loan applications for processing and underwriting approval.
  • Once loan is underwritten, receive stipulations and assist to clear them.
  • Monitor the loan pipeline, tracking loans in process to ensure required documents are secured to ensure timely completion of the loan.
  • Communicate regularly with customers regarding progress of loan and items needed for loan approval. Address customer questions and concerns through investigation and corrective action.
  • Periodically run AUS reports to ensure loans continue to have a favorable result once loan documents are submitted
  • Communicate with Processor to schedule closing appointments. Travel to conduct closings with buyers, sellers, real estate agents, attorneys and others.
  • Provide credit counseling to delinquent or non-qualifying customers.
  • Develop and maintain knowledge of other bank products and services in order to effectively identify referral opportunities.
  • Maintain file coverage for team members out of office and perform other duties as assigned.
  • Report suspicious transactions or unusual occurrences to supervisor.
  • Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs), and instructions.
  • Maintain customer confidence and protect bank operations by keeping information private and confidential.
  • Participate in ongoing skill, compliance, risk management and security training as required for the position and apply knowledge in daily tasks.
Qualifications & Skills
  • High school diploma or equivalent with a minimum of 3 years residential mortgage loan experience or satisfactory completion of Horizon Bank's in-house Jr. MLO training (when available). College degree in business, finance or related field of study preferred.
  • Basic knowledge of agency guidelines and industry standards as they relate to retail mortgage lending, conventional, lot, construction and FHA/VA/USDA loan programs.
  • Exceptional organization, time management and follow-up skills. Excellent interpersonal skills and ability to communicate effectively with customers, bank employees and outside service providers.
  • Ability to follow detailed instructions and adhere to a wide range of procedures and regulations requiring sound judgement.
  • Ability to perform complex mathematical computations using various business machines and/or computers.
  • Must have proficient typing and computer skills.
Core Competencies
  • Adaptability & Flexibility
  • Decision Making and Judgment
  • Relationship Building
  • Attention to Detail
  • Prospecting and Referring
  • Accountability
Physical Requirements

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA).

Physical Demands:

Percentage of Time:

Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others.

90-100%

Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility.

90-100%

Able to grasp, move and sort forms and papers..

90-100%

Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone.

90-100%

Able to remain stationary at a desk for long periods of time

75-100%

Regularly move about the office to access file cabinets, storage drawers and various office equipment.

75-100%

Occasionally position self to reach heights between floor and 6.'

  • Mortgage Loan Originator

    4 weeks ago

    Three Rivers, Michigan, United States Horizon Bank Full time

    Mortgage Loan Originator Job DescriptionJob OverviewAs a Mortgage Loan Originator at Horizon Bank, you will play a crucial role in assisting customers in securing conventional, lot, construction, and FHA/VA/USDA residential mortgage loans. Your primary responsibility will be to ensure compliance with company policies and established Standard Operating...

  • Universal Banker

    4 weeks ago

    Three Rivers, Michigan, United States Southern Michigan Bank & Trust Full time

    Job DescriptionAs a key member of our team at Southern Michigan Bank & Trust, the Universal Banker plays a vital role in providing exceptional customer service and financial solutions to our clients.Key Responsibilities:Process various financial transactions, including deposits, withdrawals, loan payments, and wire transfers.Build and maintain strong...

  • Universal Banker

    6 months ago

    Three Rivers, United States Southern Michigan Bancorp Full time

    Reports To: Branch Manager / Branch Supervisor FLSA Status: Non - Exempt SUMMARY Performs a variety of duties to provide customer service by explaining and processing financial services, and correct records by performing the following duties. All other duties and responsibilities as assigned. ESSENTIAL DUTIES AND RESPONSIBILITIES Provide customers with...

  • Universal Banker

    1 week ago

    Three Rivers, United States Horizon Bank Full time

    At Horizon Bank, we‘re not just about banking; we‘re about empowering dreams and transforming lives when we Go Beyond! Our passion lies in creating meaningful connections with our clients and providing financial solutions that pave the way to success. We‘re a dynamic team, dedicated to redefining the banking experience by going beyond and making a real...

  • Universal Banker

    4 months ago

    Three Rivers, United States Horizon Bank Full time

    At Horizon Bank, we're not just about banking; we're about empowering dreams and transforming lives when we Go Beyond! Our passion lies in creating meaningful connections with our clients and providing financial solutions that pave the way to success. We're a dynamic team, dedicated to redefining the banking experience by going beyond and making a real...

  • Member Service Representative

    3 months ago

    Two Rivers, United States Community First Credit Union Full time

    Description We believe passionate people provide excellent service. As our Member Service Representative, your active listening skills, "find a way" attitude, and financial acumen will solidify your role as a valued partner for our members. Our strong branch traffic shows there's still something special about the face-to-face conversations youll support....

  • Associate Dentist

    2 months ago

    Three Rivers, MI, United States Pippin Dental & Braces - a Benevis company Full time

    Overview: Work for a company that is truly making the world a happier place, one smile at a time! At Benevis, we create over a million smiles a year in the communities we serve and believe that every person deserves access to quality, affordable dental care. This mission drives everything we do! With over 3000 employees in offices across the country from...

  • Vascular Technologist PRN

    5 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the PRN career opportunities as a(an) Vascular Technologist PRN you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's Georgetown Hospital,...

  • Registered Respiratory Therapist RRT PRN

    2 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the PRN career opportunities as a(an) Registered Respiratory Therapist RRT PRN you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's...

  • Surgical Services Manager RN

    3 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionWant to join a team of daring managers who care without reservations or limits? Our St. David's Georgetown Hospital team is looking for a(an) Surgical Services Manager RN. HCA Healthcare is an advanced healthcare network that has committed up to $300 million to our incredible team members over the course of three...

  • Licensed Vocational Nurse Inpatient Rehab

    2 weeks ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionAre you passionate about the patient experience? At HCA Healthcare, we are committed to caring for patients with purpose and integrity. We care like family! Jump-start your career as a(an) Licensed Vocational Nurse Inpatient Rehab today with St. David's Georgetown Hospital.BenefitsSt. David's Georgetown Hospital, offers a...

  • Licensed Vocational Nurse Inpatient Rehab

    4 weeks ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionAre you looking for a work environment where diversity and inclusion thrive? Submit your application for our Licensed Vocational Nurse Inpatient Rehab opening with St. David's Georgetown Hospital today and find out what it truly means to be a part of the HCA Healthcare team.BenefitsSt. David's Georgetown Hospital, offers a...

  • Radiology Technologist PRN

    2 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the PRN career opportunities as a(an) Radiology Technologist PRN you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's Georgetown Hospital,...

  • Emergency Room Registered Nurse

    3 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the PRN career opportunities as an Emergency Room Registered Nurse you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's Georgetown Hospital,...

  • Registered Respiratory Therapist RRT

    5 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the career opportunities as a(an) Registered Respiratory Therapist RRT you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's Georgetown...

  • Registered Respiratory Therapist RRT PRN

    2 weeks ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the PRN career opportunities as a(an) Registered Respiratory Therapist RRT PRN you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's...

  • MRI Technologist PRN

    3 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the PRN career opportunities as a(an) MRI Technologist PRN you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's Georgetown Hospital, offers a...

  • CT Technologist PRN

    5 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the PRN career opportunities as a(an) CT Technologist PRN you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's Georgetown Hospital, offers a...

  • Cardiac Cath Lab Technologist PRN

    2 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the career opportunities as a(an) Cardiac Cath Lab Technologist you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's Georgetown Hospital,...

  • Labor and Delivery Registered Nurse PRN

    6 months ago

    Three Point, United States St. David's Georgetown Hospital Full time

    Description IntroductionDo you have the PRN career opportunities as a(an) Labor and Delivery Registered Nurse PRN you want with your current employer? We have an exciting opportunity for you to join St. David's Georgetown Hospital which is part of the nation's leading provider of healthcare services, HCA Healthcare.BenefitsSt. David's Georgetown...