Description Responsible for originating residential mortgage loans so that borrowers receive the best possible customer service and speed of origination. This includes delivering proper disclosures, collecting documentation, and providing excellent customer service. Follows company policies and procedures to ensure accurate and timely closing. Multiple Positions throughout our market. Positions are based in Augusta and Shenandoah Counties. Essential Duties and Responsibilities Work closely with assigned loan processor to promote communication, and to ensure quality service delivery throughout the company, as well as with external customers. Successful marketing and relationship building with realtors, builders, and other business partners by spending at least 60% of your working time out of the office in order to network and originate mortgage loans to meet or exceed an agreed upon mortgage production goal as well as all required legal lending guidelines. Maintaining a complete and thorough knowledge of products, secondary market guidelines, individual investor guidelines, company policies and procedures and following all regulatory procedures including RESPA, Dodd-Frank, etc Cross-selling bank products when given the opportunity Attending staff meetings/trainings Take education classes as assigned by the company through the ABA Providing all mortgage clients with knowledgeable mortgage advice that will benefit the client Locking interest rates for the appropriate timeframe and ensuring they do not expire Structuring mortgage loans and inputting them into loan origination software Obtaining and reviewing consumer credit reports Making sure loans are approved through the appropriate AUS system Sending disclosures to borrowers in the required timeframes Collecting initial documentation from borrowers (paystubs, tax returns, assets, etc) Updating and advising all parties involved in the mortgage transaction Maintain complete discretion and confidence of all information pertaining to loan packages and clients personal information. Perform other related work as required. Supervisory Responsibilities This position has no supervisory responsibilities.

Other Duties:

This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may change at any time with or without notice. None. This is a commission-based role. A salary for the first year is possible.

Requirements Qualification Requirements:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Knowledge, Skills, and Abilities Ability to communicate effectively orally and/or in writing. Ability to respond to sensitive inquiries. Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to prioritize and meet deadlines. Ability to work with limited supervision. Ability to work with and maintain confidential information. Proficient organizational skills with ability to function in a flexible work environment. Ability to read, analyze, and interpret general borrower data. Ability to effectively present information and respond to questions from managers, clients, customers, and the general public. Proficient in Excel and Word. Professionalism in dealing with customers and fellow employees. Education and/or Experience (Required and Preferred) High School Diploma or GED with a minimum of two years of experience in loan origination or an account executive/sales position. Desire previous secondary market loan origination experience. Certificates, Licenses, Registrations NMLS registration Current driver's license to travel to other bank branch locations and other bank-related travel.

Physical Demands :

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to stand. The employee is occasionally required to walk; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.

Work Environment :

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.