CIS FINANCIAL SERVICES, INC.
Job Title: Mortgage Loan Originator
Department: Mortgage Sales
Reports To: Branch Manager
Work Schedule: 8:00 am – 5:00 pm Monday - Friday
Mortgage Loan Originator Position Purpose:
Proactively solicits new residential mortgage business. Responsible for origination of mortgage loans. Conducts initial pre-qualification interviews and prepares complete loan application packages and necessary documentation. Serves customers, prospective customers, builders, developers and realtors promptly and professionally. Assists Operations personnel as necessary.
ESSENTIAL FUNCTIONS AND BASIC DUTIES for the Mortgage Loan Originator
Interviews, takes applications, and processes preliminary documentation on loan requests. Discuses loan alternatives, credit criteria, interest rates, and loan documentation with customers.
Assesses customer’s applications and evaluates products, pricing, and other variables in order to determine which mortgage products might best serve customer’s needs.
Submits, within company designated time frames, all files to operations staff for processing, underwriting, closing, and funding.
Performs follow-up work to achieve conditional loan approval within established time frames.
Locks in rates and programs for customers when reasonably requested and in a timely manner.
Completes lending operations in accordance with established Company policies and legal requirements.
Must originate mortgage loans in a fair and nondiscriminatory manner without regard to race, religion, sex, national origin, age, disability, or any other unlawful factor, and in accordance with any regulatory agency rules, and all state and federal laws.
Assumes responsibility for establishing and maintaining effective and professional business relations with customers, realtors, building professionals, referral partners, CIS personnel and management.
Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements.
REQUIREMENTS for the Mortgage Loan Originator:
NMLS MLO License or 2 years mortgage loan experience.
Ability to prioritize and multi-task, while working in a fast paced environment.
Exceptionally detailed, focused and motivated professional.
Excellent communication skills.
Pleasant with customers, business partners and colleagues.
Knowledge of automated underwriting systems (DU/LP), HUD and RESPA Regulations.
Comprehensive understanding of legal, compliance and Investor requirements.
Computer Proficient in MS Office.
Employee Signature Date
Job Types: Full-time, Commission
- Mortgage Loan Originator: 3 years (Required)
- Health insurance
- Dental insurance
- Vision insurance
- Retirement plan
- Paid time off
- Flexible schedule
Typical start time:
Typical end time:
This Company Describes Its Culture as:
- Detail-oriented -- quality and precision-focused
- Aggressive -- competitive and growth-oriented
- Outcome-oriented -- results-focused with strong performance culture
- Waiting period may apply
- Only full-time employees eligible