ORS Partners Training

  • Mortgage Loan Originator

    Job Locations US-PA-Philadelphia
    Posted Date 1 month ago(3/20/2018 3:14 PM)
    Job ID
    2018-5259
    # of Openings
    1
    Category
    Banking
  • Overview

    At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences, and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives.

    Customers Bank, recently named by Forbes magazine as the 35th Best Bank in America (there are over 5,700 banks in the United States!), has an immediate opening for a Mortgage Loan Originator in our Mortgage Lending department. As a Mortgage Loan Originator, you will be responsible for developing, soliciting, and negotiating new business and loan referrals using a network of resources, such as, Realtors/Brokers, Homebuilders, retail bank branches, community organizations, and business organizations. You will also maintain and develop existing relationships with marketing alliances to increase capture rates and increase profitability.

    We are looking for a team player who has excellent customer service skills and thrives in a fast-paced environment.

    Responsibilities

    • Utilize and develop a network of resources for mortgage loan business development and solicitation for new business.
    • Maintain a positive sales environment by educating potential borrowers, Real Estate Agents, and Homebuilder sales representatives on the Company’s products and services; create and deliver presentations when necessary.
    • Complete thorough loan applications by communicating with perspective applicants and obtain specified information relating to the loan or credit application; correspond with applicant via telephone, email, or in-person to resolve any questions regarding application information.
    • Perform prequalification assessment and analysis of financial condition and risk of financing requests within the Company’s credit policies and programs, as well as all state and federal lending regulations (FHA, VA, Fannie Mae, Freddie Mac, Conventional, Conforming, Rural Housing Development, Bond and Portfolio).
    • Negotiate rate, terms and conditions of the loan.
    • Lock loans on time and in the correct product type to avoid fall-out.
    • Collect up-front fees from applicant.
    • Submit complete loan application, including all required documents and disclosures, and coordinate the process with assigned processing center
    • Input loans into the loan production system and obtain appropriate Automated Underwriting System (AUS), such as DU or LP, for underwriting decision.
    • Assist with, and solve, issues relating to processing, underwriting, and closing of loans within employee’s loan pipeline.
    • Represent the Company in various community and civic functions to enhance the Company’s image and develop additional business.
    • Consistently apply superior decision-making techniques relating to applicant inquiries, approvals, and requests as they pertain to existing policies, regulations and procedures.
    • Maintain compliance on all loan files and pipeline.

    Qualifications

    • 1+ year(s) Mortgage lending origination experience with at least 1 year of generating leads required
    • Possess an active state NMLS unique identifier/MLO license required.
    • Documented continuing education credits in each state where business is to be conducted preferred.
    • High-school diploma or GED minimum.
    • Familiarity with Loan Origination Systems.
    • Solid knowledge of state and local real estate markets.
    • Ability to negotiate persuasively to produce positive outcomes.
    • Strong listening, written, and verbal communication skills.
    • Demonstrate a strong desire to satisfy one’s internal and external customers by displaying superior customer service skills.
    • Show passion toward corporate responsibility by living our core values – Superior Customer Service, Integrity, Respect, Hard Work, and Long-Term Commitment.
    • Ability to seek out new and creative ways to provide solutions to the customers’ needs.
    • Demonstrate solid selling skills and techniques.
    • Maintain and foster strong partnerships with customers. 

    Customers Bank will provide consideration for employment to qualified applicants without regard to their race, color, religion, national origin, sex/ gender, sexual orientation, gender identity, protected veteran status or disability.

    VEVRAA Federal Contractor, seeking priority referral of qualified protected veterans.

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