Mortgage Loan Originator
3 weeks ago
As a Mortgage Loan Officer at HomeTrust Bank, you will play a crucial role in the solicitation and origination of mortgage and real estate-related loan products. Your primary responsibilities will include counseling borrowers to ensure they acquire a loan product that suits their circumstances, assessing the best options for their needs, and making appropriate recommendations. This position requires analyzing the prospective borrower's income and debt, counseling them on credit records or other problems, and pre-qualifying them.
Key Responsibilities / Essential Functions
- Originate mortgage loans by interviewing customers and completing detailed loan applications.
- Prequalify borrowers using standard underwriting procedures.
- Counsel customers on the home buying and financing process.
- Develop and maintain a personal loan pipeline.
- Work with the Loan Processor to facilitate underwriting and processing phases of loans.
- Answer telephone and written inquiries concerning active loans and bank loan offerings.
- Cross-sell financial institution products and services as appropriate.
- Provide disclosures to borrowers, including Truth in Lending and Good Faith Estimates.
Job Requirements
Education:
- A high school diploma or equivalent is required.
Required:
- Three or more years of experience as a retail loan originator, processor, sales assistant, or equivalent experience with a proven sales record.
- Good basic computer skills.
- Must be bondable and have a valid driver's license.
- Ability to understand and use bank loan policies and procedures to support positive customer interactions.
- Ability to communicate effectively with customers, staff, and the general public in a positive, problem-solving manner.
- Ability to listen to and convey accurately and quickly, detailed information, important instructions, and/or ideas.
- Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority.
- Proficient in Microsoft Office products.
About HomeTrust Bank
HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, and Tennessee. We strive to provide exceptional customer service and support to our customers and communities.
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