Residential Mortgage Originator

2 weeks ago


Austin, Texas, United States JEFFERSON STATE BANK Full time
Job Title: Residential Mortgage Lender

At Jefferson State Bank, we are seeking a highly skilled and experienced Residential Mortgage Lender to join our team. As a key member of our mortgage production team, you will be responsible for generating mortgage production loans through external business development and internal partners.

Key Responsibilities:
  • Build and maintain referral networks and relationships for bringing in new mortgage business.
  • Advise customers in the process of completing mortgage loan applications and determine appropriate loan type for customers' needs.
  • Determine loan requirements and advise customers regarding documentation required for transactions.
  • Prepare and send initial disclosures to customers, complying with RESPA/TILA requirements.
  • Correctly calculate income and identify assets for borrowers per appropriate lender's guidelines.
  • Run loan file information through Loan Prospector or Desktop Underwriting system to determine eligibility for agency loan.
  • Manage customers and related service providers, including real estate agents, regarding appropriate expectations for documentation, process and closing.
  • Partner with processor on files to ensure loans close in a timely manner.
  • Communicate with customers regularly to ensure they have a clear understanding of the process.
  • Expand and regularly update knowledge base regarding RESPA, HMDA, MDIA, HVCC, Regulation B, Flood, and other regulations as applicable.
  • Control loan files to ensure compliance with regulatory requirements.
  • Expand and regularly update knowledge base regarding underwriting requirements for conventional, FHA, and VA loans.
Requirements:
  • 2 years' experience in mortgage loan origination.
  • Strong compliance understanding and problem-solving skills related to residential loan origination.
  • Proven track record in achieving sales quotas up to 10 million.
  • Ability to interface effectively with all levels within the organization, work autonomously, handle multiple projects, remain flexible and adaptable to change.
  • Exceptional Customer Service, highly motivated, focused, and goal-oriented.
Preferred Experience:
  • Experience with existing referral sources and customer relationships.
  • Experience using Encompass LOS System.
  • Proficiency in Spanish language.

Supervisory Experience: None

Driving Position: Yes, valid driver's license is required.



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