Mortgage Originator

10 hours ago

Birmingham AL USA, United States Renasant Full time
Mortgage Banker Job Description

Job Overview

Renasant Bank is seeking a skilled Mortgage Banker to establish and maintain relationships with branch managers, realtors, and builders in a designated service area. The successful candidate will be responsible for generating production of all one to four family residential products, including conforming, conventional, FHA, and VA loans.

Key Responsibilities

  • Originate all types of 1-4 family residential loans
  • Maintain written goals in conjunction with the Mortgage Banking Department
  • Coordinate loan production throughout assigned service area
  • Report monthly on calls made to banks, realtors, and builders
  • Communicate with the Mortgage Banking department on program changes or updates
  • Counsel and communicate with prospective borrowers on loan products
  • Schedule appointments and work with customers to complete accurate applications
  • Gather additional information required for loan closing
  • Assist customers with closing contingencies
  • Prepare Good Faith Estimate and Truth-In-Lending within 72 hours
  • Provide weekly written reviews to realtors on loan progress
  • Educate branch personnel on conforming loan requirements
  • Establish rapport with the local real estate community
  • Survey local market areas regularly
  • Establish priority accounts and visit offices weekly
  • Conduct seminars for local realtors and associates
  • Become active in local affiliations relative to mortgage loan production
  • Perform duties in compliance with state and federal regulations
  • Attend production meetings as designated by management
  • Maintain licenses and certifications, if applicable
  • Work independently in an outside sales setting


Qualifications

  • High School diploma or equivalent required
  • Ability to originate 1-4 family residential mortgage products
  • Thorough knowledge of FHLMC/FNMA, FHA, VA, and other general mortgage banking lending procedures and requirements
  • Ability to communicate verbally and in writing and to deal cordially with the public
  • Ability to organize time effectively
  • Ability to learn and comprehend regulatory directives and procedures in a short period of time
  • Ability to represent Renasant Bank in a professional manner
  • Ability to work independently and make decisions following state and federal regulatory guidelines
  • Must have a reliable means of transportation to facilitate responsibilities


Physical Demands

The physical demands described are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand or sit; kneel, stoop, or squat; use hands or fingers to handle or feel objects, tools or controls; reach with hands and arms, and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, peripheral vision, depth perception and the ability to focus.

Work Environment

The Bank's professional working environment requires employees to communicate effectively, both verbally and in writing. Employees must demonstrate strong interpersonal skills when working closely with internal business partners and external clients. Employees may be exposed to confidential and proprietary information within the working environment, therefore, must uphold confidentiality at all times. Due to the possibility of being exposed to high risk situations, detailed instructions and procedures are required to be followed at all times to safeguard the Bank's employees, customers, and assets.

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