United Bank · 10 hours ago
Community Mortgage Loan Officer
Kennesaw, GA
Full-time
Hybrid
Mid Level
3+ years expUnited Bank is committed to nurturing a culture that reflects the communities they serve. They are seeking a Mortgage Loan Originator to originate residential mortgage loans, develop referral relationships, and enhance the bank’s fee-based income through ongoing sales efforts.
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Responsibilities
Meet with customer or prospective customer to identify client needs and to sell mortgage loan programs
Interview applicants and requests specified information for loan applications such as credit history, income, assets, investments, debt, and other necessary documentation such as information about the property
Analyze information provided by the customer and identifies customer needs and recommends the appropriate Bank product offerings and options
Advise customers on the risks and benefits of an assortment of mortgage loan options to achieve the mortgage loan that is most appropriate based on their individual financial situation while helping them achieve their financial goals
Communicate with or interviews applicants or creditors to resolve questions regarding application information
Remain primary contact with borrower during application to closing process to obtain documentation necessary to facilitate the mortgage loan process
Analyze potential loan markets to develop prospects for loans
Develop new business from multiple sources while retaining existing business
Develop and maintain working relationships with realtors, builders and other strategic referral partners
Responsible for knowing underwriting guidelines and scenarios for conventions, FHA/VA, and subprime mortgages and staying up-to-date on market conditions
Cross sell other Bank products to clients as the opportunity arises
Maintains thorough knowledge of pricing and underwriting requirements. Must be able to disclose and discuss parameters of various programs including pricing, interest rates, and fees associated with each loan program
Submits complete loan packages for processing and final underwriting approval
Maintains the ability to pre-qualify clients at initial meeting
Works to coordinate efforts to increase loan production
Based on the location within a market, may be required to promote/discuss consumer lending products with customers within compliance of the Safe Act guidelines and United procedures
Qualification
Required
Bachelor's degree or three (3) years of direct related experience or equivalent combination of education and experience required
Proficiency in Microsoft Office Products
Must have working knowledge of underwriting guidelines and other related regulations
Strong sales environment demeanor
Account Management and customer service focused
Strong attention to detail and ability to multi-task
Excellent verbal and written communications skills in Spanish or additional language a plus
Ability to identify potential banking opportunities and comfortable work with prospective clients
Demonstrated strong public speaking ability
Knowledgeable in automated underwriting engines and capable of reviewing findings with a clear understanding of terms of approval
Ability to obtain strong product knowledge
Ability to travel frequently off-site of work location for client meetings or business development functions and opportunities as needed
Ability to work flexible hours to meet the client and business development requirements
Ability to possess a NMLS license or obtain NMLS license within a reasonable timeframe
Ability to complete ongoing NMLS training and ensure SAFE Act compliance as required
Company
United Bank
United Bank is a bank that offers lending services to customers.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
J
James Consagra
CEO
R
Ross Draber
Chief Operating Officer
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