Tennessee Bankers

1809-3 (M) Mortgage Loan Originator

Job: Mortgage Loan Originator
 
Company:  CB&S Bank
 
Job Type: Full-time
 
Location:  Murfreesboro, TN
 
GENERAL FUNCTION:
Originates and manages a pipeline of secondary market mortgage loan applications and closes an acceptable volume of quality loans.
 
MAJOR DUTIES AND RESPONSIBILITIES:

  • Attracts new mortgage loan applications and retains existing business by developing relationships within builder and/or realtor communities.
  • Advises borrowers on loan products by examining application and supporting documentation, and pre-qualifying for credit-worthiness.  Provides guidance and information relevant to the risks and benefits of each program the borrower is qualified for; effectively communicate the terms of each product.
  • Meets mortgage loan operational standards by implementing and maintaining productivity, quality, customer-service standards and problem resolution.
  • Evaluates loan requests, analyzes financial data and determines qualification of collateral and customer credit history.
  • Structures loan to comply with acceptable lending practices and Federal regulations.
  • Collects documentation from borrower(s) and submits to the Loan Processor.
  • Cross-sells other bank products and services.
  • Maintains knowledge and follows all bank policies and procedures related to processing, underwriting, and closing of loans.
  • Executes consultative sales strategies to drive exceptional service and create trusted relationships.
  • Contacts Borrower, Lender, Realtor, etc., on a weekly basis with loan status.
  • Documents conversations and other notes pertinent to the loan file in Point under the conversation log.

 
JOB QUALIFICATIONS:

  • Minimum 3 years of experience in mortgage origination or equivalent.
  • Hold applicable licenses, as required.
  • An advanced understanding of mortgage products and the ability to comprehend and implement complex financial concepts related to residential mortgage lending.
  • Thorough knowledge of mortgage products and services offered as well as market trends.
  • Knowledgeable on agency and investor regulations and guidelines.
  • Excellent verbal/written communication skills.
  • Good organizational skills.
  • Ability to learn and adapt to market changes quickly.
  • Ability to build strong relationships with production, underwriting, closing and other internal and external partners.

        
Interested applicants may apply using the following link:  https://cbsbank.applicantpro.com