Mortgage Loan OriginatorLocation: Galena, MDThe Outside Mortgage Loan Originator (MLO) is responsible for establishing relationships with potential borrowers through lead self-generation, and in some cases by working with company-provided leads. The Outside MLO will facilitate the relationship between bank and borrower throughout the lifecycle of the mortgage process and ensure all compliance guidelines are strictly adhered to. The Outside MLO will act in accordance with the corporate ethics policy and ensure all business is conducted with the utmost integrity.Continually identify, develop, and maintain a quality network of business relationships and serve as a recurring source of referrals for new lending opportunities to grow portfolio of leadsInterview loan applicants, collect and review financial and related information, and determine the general creditworthiness of the prospect and the specific merits of the loan request for purchase, refinance and construction loans on residential real estate propertyEstablish and negotiate the terms under which credit will be extended, including the costs, repayment method, collateral requirements, and other relevant informationDevelop materials for the presentation of loans as necessaryAssure the appropriate reports are completed accurately and filed in a timely mannerOwn the primary communication and collection and upload of required documents from borrowerProactively communicate with borrowers throughout the lifecycle of the mortgage processQuickly communicate approvals or denials to loan applicantsInform clients of institutions underwriting guidelines and applicable government regulationsCommunicate complex approvals to real estate agents or builder as appropriateManage personal pipeline to ensure service standards, financial goals and objectives for individual performance as it relates to overall branch goalsKeep up with educational requirements and maintain a working knowledge of laws regulations, programs and productsComply will all applicable federal and state compliance guidelines relative to the positionCarry out such other duties as may be assigned or requestedRequirementsBachelor’s degree or equivalent experience in outside mortgage sales origination, including established contacts/relationships with the purchase market.At least 5+ years' experience and proven track record in soliciting new mortgage businessAt least 5 years’ experience in collecting and analyzing borrower income and negotiating skillsThorough knowledge of all mortgage products and programsSelf-motivated with good organizational and interpersonal skillsGood verbal and written communication skillsProficiency in standardized software applications, including Microsoft Office SuiteEncompass experience preferredExperience working in an FDIC Banking environmentNMLS License required
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