Mortgage Loan Originator

5 days ago


York, Pennsylvania, United States Towne Family of Companies Full time
Job Summary

We are seeking a highly skilled and experienced Mortgage Loan Originator to join our team at Towne Family of Companies. As a Mortgage Loan Originator, you will be responsible for originating and processing mortgage loans for residential properties.

Key Responsibilities
  • Interview and counsel applicants to determine their mortgage needs and provide guidance on the loan process.
  • Complete loan applications and gather supporting documentation from applicants.
  • Review and complete regulatory disclosures with customers.
  • Maintain existing and generate new sources of referral business.
  • Quote interest rates and secure pricing through the Secondary Marketing Department on behalf of the customer.
  • Input application data into Loan Origination Software (LOS).
  • Utilize automated underwriting systems (AUS) to obtain credit recommendations.
  • Communicate with customers, both internal and external, regarding the status of the loan and relay information to all interested parties.
  • Communicate with all parties in a professional and courteous manner.
  • Manage pipeline of loans to verify accuracy of the current loan status.
  • Know and abide by HomeSale Mortgage Policies and Procedures.
  • Mentor other Loan Officers.
  • Relay to Senior Management any industry changes or trends that may be of interest to them.
  • Participate in industry association events.
  • Must actively participate in all aspects of the Real Estate Office sales meetings and office functions.
  • Prepare Mortgage Minutes for presentation at each sales meeting.
  • Provide on-going training for the real estate agents (lunch and learns).
  • Work closely with the Broker/Sales Manager.
  • Attend Loan Officer Meetings.
  • Represent the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
  • Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).
Requirements
  • Must have a valid NMLS #.
  • Minimum 1-year experience originating VA, FHA, Conventional and VHDA loans.
  • Proven sales record based on closed loan production.
  • Currently possess sources of referral business for purchase transactions.
  • High School Diploma or equivalent.
  • Awareness of FNMA/FHLMC, FHA, VA, PHFA and underwriting guidelines.
Preferred Qualifications
  • Working knowledge of Microsoft Office products.
  • Working knowledge of Encompass software.

We are an Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. We are committed to providing a fair and inclusive work environment for all employees and applicants.



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