AVP, Mortgage Loan Originator

GENERAL SUMMARY The incumbent must possess a working knowledge of residential lending with the proven ability to increase mortgage loan production by developing business contacts and attracting mortgage clients. Able to assist applicants in completing the mortgage loan application package. Assist applicants in assembling the required documents and answering applicants’ questions about loan programs and pricing.  This position is expected to be an outside sales position, meaning that the incumbent is expected to spend the majority of his/her work time away from the Bank’s offices meeting with clients and potential clients to sell the Bank’s mortgage products. Duties aside from sales include, collecting conditions – office work directly related to “general business operations” of the client, determine if the conditions collected are the correct items for the underwriter to make an informed decision – exercise of independent judgement and discretion about matters of significance.     ESSENTIAL FUNCTIONS Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community and other sources to proactively solicit new business. This includes making outside sales calls to prospective clients.  Conducts sales-related activities that enhance the Bank’s image in the local community and raise the public’s awareness of the Bank’s mortgage and banking products and services. This includes conducting home loan education seminars and participating with real estate affiliated organizations.  Participates and assists in community development/outreach with the CRA team to help generate loans for the low to moderate income communities. Builds partnerships with local Community Development Centers to help generate qualified CRA loans. Works with clients primarily in-person and at the client’s home, business office or other locations away from the Bank’s offices to complete application packages and submit files for underwriting and processing in a timely manner. Assists clients to complete loan applications. Gathers information and processes each file from initial approval to closing in a timely manner. Acts as a liaison between branches, underwriter, closing agents and other related parties.  Interviews clients and potential clients to develop a clear understanding regarding their product needs and determine the appropriate product, terms, and pricing that best suits their needs. Answers all product and pricing-related inquiries from potential clients, branch/lending personnel and outside sales contacts. Manages their loan pipeline to meet specific loan volume origination goals as established by management. Makes in-person calls on real estate agents and brokers, financial advisors, and other potential referral sources to develop borrower leads. Must be knowledgeable with all bank products with a proven track record in loan closings.  Provides support and training to branches as needed. Works with our business partners with loan referrals.  Updates their personal job knowledge by participating in educational opportunities, reading professional publications, maintaining personal networks, and participating in professional organizations.  Keeps abreast of all state and federal regulatory changes as they apply specifically to residential lending loan origination.   QUALIFICATIONS Education:    Associates Degree preferred. Experience: Minimum 5 years of previous experience in a bank residential lending sales environment.  Experience working as an outside sales professional is preferred. Licensing:    Must possess an active registration or be eligible for registration under the Nationwide Mortgage Licensing System & Registry (NMLS) within 90 days of hire. Skills/Ability:    Strong written and verbal communication skills; must be able to adapt well to a fast paced and constantly changing business environment; PC proficient at the intermediate level; demonstrated ability to work in a team-oriented environment; demonstrated ability to provide good client service; Bilingual is a plus.   OTHER DETAILS $66,300 – $70,000 / year Pay determined based on job-related knowledge, skills, experience, and location.This position may be eligible for a discretionary bonus.