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Mortgage Loan Originator

Amcap
Full-time
On-site
Houston, Texas, United States

JOB TITLE: Mortgage Loan Originator


SUMMARY: This position is responsible for assisting consumers who are seeking mortgage loans; assisting consumers who are purchasing or refinancing a home or obtaining a second mortgage or home equity line of credit.


DUTIES AND RESPONSIBILITIES:

  • Assists the borrower in determining the proper loan program.
  • Completes the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements, to begin the loan process.
  • Obtains and analyzes credit reports. 
  • Communicates with the borrower, realtor, title officer, escrow officer, loan processor and underwriter.
  • Monitors and updates account records.
  • Submits loan applications in a timely manner.
  • Prepares detailed loan proposals.
  • Rejects loan applications and explains deficiencies to applicants.
  • Responds to applicants questions and resolves any loan-related issues.
  • Operates in compliance with laws and regulations.
  • Performs other related duties as assigned by management.


QUALIFICATIONS:

  • Bachelor's Degree (BA) from four-year college or university preferred
  • Two years of related experience and/or training, or equivalent combination of education and experience.
  • NMLS license (National Mortgage License System)
  • Computer skills required: Microsoft Office Suite
  • Other skills required:
    • Solid understanding of local, state, and federal loan regulations.
    • In-depth knowledge of computers and banking software.
    • Outstanding interpersonal and communication skills.
    • Customer service oriented with exceptional sales skills.


COMPETENCIES:

  • Adaptability - Adapts to changes in the work environment; manages competing demands; changes approach or method to best fit the situation; ability to deal with frequent change, delays, or unexpected events.
  • Customer Service - Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service.
  • Ethics: Treats people with respect; keeps commitments.
  • Interpersonal Skills - Focuses on solving conflict; maintains confidentiality;  remains open to others' ideas and tries new things.
  • Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings.
  • Planning/Organizing - Prioritizes and plans work activities; uses time efficiently.
  • Problem Solving - Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations.
  • Quality - Demonstrates accuracy and thoroughness; looks for ways to improve and promote quality; applies feedback to improve performance; monitors own work to ensure quality.
  • Written Communication - Writes clearly and informatively.


DISCLAIMER:

This position description highlights a general description of duties and responsibilities.  Employee(s) may be assigned other duties, in addition to or in lieu of those described herein, and any duties are subject to change at any time, according to the needs of the location or Company.

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