Outside Sales – Mortgage Originator

COMMUNITY BANK

OUTSIDE SALES- MORTGAGE ORIGINATOR

General Job Responsibilities

The Community Bank Outside Sales Mortgage Originator (Originator) position requires significant time to be spent outside of the assigned physical office, or inside the office following up directly on outside sales activities and/or work related to the outside loan sale, as is regular and customary for an outside sales representative on the following explicit activities:

o      Spending time away from the office conducting physical visits to realtors, builders and referral sources (including commute time to and from).

o      Meeting with borrowers outside of the office to make loan applications or collect documents and to assist the customer in identifying appropriate options for mortgages.

o      Attending loan closings at an attorney’s office which is also a standard business development tool for more referrals and to meet other agents and possible referral sources.

o     Attending trade shows and industry meetings, caravans, business trainings, etc.

Other responsibilities that may be applicable to an Originator include obtaining credit reports, verifying employment and income, ordering appraisals and submitting loan files to underwriting and processing and other job duties as assigned.

Originators work to best meet the customers’ needs while ensuring that the assets of the Bank are protected and policies and procedures are followed. Originators must have a good understanding of current housing markets, financing options, and risk factors as well as possess a thorough knowledge of all mortgage products and services. The Originator must fully understand and adhere to all federal and state laws and the policies of the Bank, and must

be able to effectively communicate technical information to the customer. This position requires the ability to multi task, network, communicate effectively, and problem solve. Originators report to the designated mortgage officer or higher bank officer.

Education and Experience

Education

Graduation from high school or equivalent GED required; some college preferred.

Experience

A minimum of two years of work experience in loan financing or other closely related field preferred.