Mortgage Loan Originator

Mortgage Loan Originator Whitehall, OH Job Details 18 hours ago Benefits Paid parental leave Employee stock purchase plan Paid holidays Disability insurance Health insurance Dental insurance Paid time off Parental leave Vision insurance 401(k) matching Bereavement leave Life insurance Qualifications Bilingual MLO License Financial sales Compliance with loan regulations Underwriting Federal Housing Administration (FHA) loans Multilingual Customer service Identifying new business opportunities Regulatory compliance Promoting bank products Mid-level Client relationship development Financial analysis Cross-selling Business development Processing loan applications Achieving sales targets FNMA 1 year Veterans Affairs (VA) loans

Full Job Description Summary of Duties and Responsibilities:

As a Mortgage Loan Originator , you will collect and analyze the customer's financial profile, and acting as a trusted advisor, identify an appropriate mortgage product, as well as other products and services, to meet their financial needs. You also investigate and develop opportunities to attract new customers, actively cultivating relationships with referral partners, such as realtors, builders, bank colleagues, attorneys, former clients, CPAs, and others within your sphere of influence.

What You'll Do:

A Day in the Life - Your focus will be the sales and origination of 1-4 single-family residential loans within predetermined guidelines and rates set forth by the Bank and its investors. Working with potential borrowers, you will analyze their income, assets, and liabilities in order to identify appropriate mortgage programs and successfully pre-qualify them for financing. Throughout the lending process, you will follow up with applicants and secure the necessary information to process, underwrite, and close the loan. As a goal-oriented person, you will strive to consistently achieve volume and/or unit production targets and cross-sell bank products where applicable. Aligned with German American's core values, you project a positive attitude and act with integrity at all times, delivering "best-in-class" customer service. You are a continual learner, building on your industry knowledge and complying with pertinent state and federal laws and regulations, the company's compliance policy, and external compliance requirements including, but not limited to, the Bank Secrecy Act (BSA). What it

Takes:

NMLS State License or Federal NMLS Registration (or willingness and ability to obtain) 1+ years' experience in real estate, mortgage or sales equivalent Skills in: entrepreneurial and business development/sales; needs analysis - analyzing information regarding customer income/debts, etc.; verbal, written, and interpersonal skills

Knowledge of:

Conventional, VA, USDA FHA, FNMA and Portfolio underwriting guidelines; mortgage compliance regulations; business acumen and judgment- bank mortgage products, policies, and procedures

Bonus Points:

Bilingual/Multilingual What we can offer you : Medical, dental, vision, STD, LTD, Life insurance, etc. 17 days paid time off, 11 paid holidays, and bereavement leave Education Assistance Program Paid Parental Bonding Leave Wellness benefits Life event coverage Service awards Financial benefits including 401(k) match, stock purchase plan and more Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping Logo wear discounts Free checking account, checks and discounted bank services This position will be located at: Whitehall 430 North Hamilton Road Whitehall, Ohio, 43213

United States About Us:

Heartland Bank, a Division of German American Bancorp, and its family of financial services companies employ talented, compassionate people throughout the organization, truly making German American special. Delivering genuine, customized, personal service with a focus on truly serving customers and communities well, our employees bring the Shield of Excellence commitment to life with each and every interaction.