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Mortgage Loan Originator
Regions Financial
Charlotte, NC, United States
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Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.
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Job Description:
At Regions, the Mortgage Loan Originator directs origination of residential mortgage loans from a borrower through a branch network.
Primary Responsibilities
• Completes mortgage applications for submission to the loan processing and underwriting departments
• Evaluates loan requests, analyze financial data, and determines qualification of collateral and customer credit history
• Maintains contact with loan customer, communicating progress of loan and obtaining any required documentation
• Prepares files for underwriting, loan committee, private mortgage insurance company and investor including preparation of loan approval sheet
• Structures loan to comply with acceptable lending practices and Federal regulations
• Establishes detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc and frequency of contact
• Answers customer calls and walk- in customers to discuss various loan products and qualification information
• Makes sales calls on potential or existing customers as established in Regions marketing plan to develop new business or retain existing business
• Cross-sells other bank products and services
• Reads surveys and appraisals, and takes necessary steps to correct encroachments and violations
• May participate in networking through professional, business and community organizations and activities to promote and market loan products
*Compensation is Commission based
This position requires the tracking of time and is eligible for overtime under the non-exempt FLSA classification for hours worked in excess of 40 per week.
Requirements
• High school diploma or GED
• Three years of mortgage lending experience with proven mortgage production.
• Abundant mortgage experience in developing external business via referral partners in the market including but not limited to realtors, builders, and financial planners.
• Knowledgeable of Mortgage products, systems, terminology, tax requirements, etc.
• Sales acumen
• Knowledgeable on agency and investor regulations and guidelines
• Must be able to multi-task competing priorities and meet tight deadlines
• Must be able to build and maintain internal and external relationships to deliver high levels of service
• Strong written and verbal communication skills
• Good organizational skills
• Proficient in Microsoft Office products
This position requires registration with the national Mortgage Licensing System and Registry (NMLS). Please refer to (http://mortgage.nationwidelicensing.org) for more information. NMLS Registration
Preferences
• Bachelors degree
• Prior Mortgage Loan Originator experience
Location:
Charlotte, North Carolina
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