Mortgage Originator
ESSENTIAL DUTIES AND RESPONSIBILITIES: Participate in the development and implementation of the Bank’s external mortgage origination process. In collaboration with mortgage sales team leader, develop strategies which will enable the Bank to remain competitive in the changing marketplace and meet its objectives and goals. Reports to the Sales Manager, Residential Lending.
Loan and Relationship Management
Relationship building to generate new mortgage business for the bank
Consistently follow up on potential prospects and leads.
Quote loan rates and answer questions pertaining to the loan product or products based on regulatory guidelines and bank policy.
Interview mortgage loan applicants following lending policy guidelines and bank's customer service guidelines.
Accurately complete loan applications and other necessary documents within the Encompass system; collect all necessary documents from the applicant(s).
Actively follow up with applicants for required documents or information needed to process and underwrite the mortgage application in a timely manner.
Sales Goal Performance
Achieve mortgage origination goals of $12 Million in closed loan origination annually.
Achieve goals and objectives set within employment agreement.
Contribute to bank promotional and marketing activities to generate leads for mortgages.
Achieve customer referral goal of 6 per year from former clients.
Achieve realtor referral goal from new and existing realtor contacts of 18 quality referrals that lead to an application per year.
Achieve minimum referral goal of 12 from COI’s such as Builders, Attorneys, Financial Advisors, and Accountants.
Maintain an accurate record of customer contacts in CRM system, including valuable notes to assist our sales process within the bank.
Address applicant/customer questions and concerns, document the conversations and take appropriate action to overcome issues; enter in Compliant Tracker for compliance purposes.
Conduct sales calls and generate leads on referral sources to generate mortgage business.
Use sales and technical expertise to assist customers on meeting their needs for current and potential services and products.