Mortgage Loan Originator II - Bakersfield (10169)

Role

Solicits and develops a wide variety of residential mortgage loans. Spends a significant amount of time on outside sales activities. Includes mortgage, home equity loans, etc. Works with realtors and other mortgage referral sources. Primarily deals with direct, single family loans. Typically requires up to 2 years experience.

Major Duties and Responsibilities

Receives and screens loan applications; requests applicant credit and mortgage status, banking and personal reference, notifies those applicants not qualified for further consideration.

Conducts the loan interview and secures the customer information necessary to initiate a loan transaction. Then provides loan information and service to customers, realtors, and others as needed.

Prepares records and reports as requested regarding loan origination and closing activities as needed.

Responds to inquiries from prospective customers regarding all types of mortgage and construction loans, provides requested information regarding the organizations lending policies and procedures.

Screens completed applicants; submits those applications qualified for further consideration to the Loan Originator for approval; provides the Processor with additional information as required.

Requests a personal employment and credit check of the applicant, requests an appraisal on the property and/or construction plans under consideration.

Cross-sells loan customers products including but not limited to hazard insurance, health, accident, life insurance, Visa as available.

Maintains close relations with others in the banking community, home construction, and real estate to be knowledgeable about property values and to build network of professionals.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.