Join to apply for the Mortgage Loan Originator role at AptOur client is seeking a remote Mortgage Loan Originator to join their growing team in the Raleigh area. You will develop a network of Realtor, builder, and other referral partners, handle loan applications, gather relevant documentation, and ensure a quality origination experience for borrowers. You will also represent the bank in the local community through active involvement in trade groups such as Realtor associations.
What you'll do:
Source and develop loans for residential real estate and new construction lending, both internally and externally.
Collaborate with bank Branch Managers to establish referral plans and systems.
Conduct regular training sessions, sharing best practices and successes.
Interview borrowers to understand their needs and match suitable loan solutions.
Take applications, collect documentation, and perform ratio and other calculations.
Complete credit investigations and keep credit files current throughout the loan process, including responsible payment collection.
Submit complete loan files to underwriting.
Maximize bank profitability through appropriate pricing and fee income strategies.
Work with the loan team to ensure documentation is complete and collateral is secured.
Support the bank's relationship banking culture through ongoing customer contact and quality service.
Build and maintain positive relationships with customers, potential clients, and colleagues.
Coordinate workflow as part of the team.
Contribute to department and company objectives, including exploring other banking relationship opportunities.
Requirements:- High school diploma or equivalent.
- Prior mortgage origination experience with a minimum of $12 million in production.
- Goal-oriented with the ability to meet loan production objectives.
- Maintain NMLS registration and/or licensing.
- Skills needed for success:
- Knowledge of mortgage loan origination, underwriting, processing, documentation, and post-closing review.
- Familiarity with portfolio and secondary market loan programs, including conventional, FHA, VA, USDA, and Jumbo loans.
- Understanding of appraisal, title insurance, and loan closing processes.
- Strong credit analysis skills.
- Knowledge of lending regulations and bank policies.
- Excellent organization and time management skills.
- Experience with Loan Origination Systems.
- Intermediate math skills for calculating interest, ratios, and loan-to-values.
- Excellent customer service, communication, and relationship-building skills.
Additional details
Seniority level: Mid-Senior level
Employment type: Full-time
Industry: Banking
