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Texas Regional Bank · 4 months ago

Mortgage Loan Originator - Denton, TX

Denton, TX

Full-time

Onsite

Entry, Mid Level

1+ years exp

Texas Regional Bank is seeking a Mortgage Loan Originator who will be responsible for originating loan products and developing referral sources to generate new mortgage lending business. The role focuses on serving low-and-moderate income and minority communities, requiring strong interpersonal skills and dedication to customer service throughout the loan origination process.

FinanceFinancial ServicesWealth Management

Growth Opportunities

Responsibilities

Interviews applicants and request specific information for mortgage loan application

Serves as primary contact with all parties on individual loans originated from application to closing; duties may include:

Counseling and pre-qualifying potential home buyers

Completing applications

Obtaining all necessary support documents along with appropriate fee and lock-in information in compliance with FNMA, FHLMC, VA, FHA, and mortgage lending regulations which includes RESPA, TRID, and HMDA

Overseeing loan process by monitoring loan status and ensuring conformity with terms

Obtaining loan documentation prior to closing

Assisting in collecting additional documents and communicating loan status to all parties

Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan

Works with underwriting to ensure all questions are answered and/or to resolve mortgage related problems

Submits loan package to operations department and assists loan processor in loan approval

Coordinates activities with loan processor and customer/borrower to ensure that proper documentation and verification is obtained

Develops and maintains internal relationships to create cross-sell opportunities by leveraging the mortgage transaction

Calls on prospective customers and explains loan products and services

Prepares required reports for department administrative purposes

Support and promote the Bank vision, mission and core values, organizational structure and policies and procedures

Must have excellent analysis, observation, and decision-making skills

Highly focused, able to rapidly determine key priorities, clearly communicate the priorities and ensure resources are properly aligned

Excellent interpersonal and communication skills are necessary for maintaining effective relationships with Board members, officers, employees, and members of the business and civic community

Individual should be able to work under high pressure situations and a stressful atmosphere

Provides a strong, compassionate, and visible leadership, which fosters positive attitudes and trust among employees, customers, and prospects

Comply with federal and state regulations as well as all established Bank policies and procedures

Other duties as assigned

Qualification

NMLS licenseFNMA guidelinesFHA/VA loansResidential real estateAnalytic skillsInterpersonal skillsComputer skillsCommunication skillsLeadership skillsAttention to detailDecision-making skills

Required

High School Diploma or GED equivalent with minimum of 1-3 years of residential real estate experience; preferably in a brokerage, lending, or underwriting capacity

Applicants must either possess an NMLS license, in the process of getting a NMLS license

Excellent level of verbal and written communication skills

Excellent analytic skills, attention to detail, and ability to work within time constraints

Excellent level of interpersonal skills to work effectively with others

Excellent knowledge of FNMA, FHLMC, FHA and VA product guidelines

Intermediate level of computer skills, including the ability to function in a windows environment

Ability to be results oriented with sound judgment

Ability to supervise and manage the workflow of subordinate(s) through superior leadership skills

Ability to establish credibility and be decisive while recognizing and supporting the company's preferences and priorities

Must be able to be physically present in the Bank to perform job duties