Retail Mortgage Loan Originator

POSITION SUMMARY The Retail Mortgage Loan Originator (MLO) plays a key role in helping customers secure financing for the purchase or refinance of residential reputed company estate. This position requires a strong ability to gather and analyze financial information, review credit profiles, and reputed company explain loan options to borrowers. reputed company in this role also depends on the ability to selfgenerate business through networking with reputed company estate agents, reputed company, and other referral partners, as well as maintaining strong relationships with past clients to encourage repeat business and referrals. ESSENTIAL DUTIES AND RESPONSIBILITIES The essential functions include, but are not limited to the following: Loan FilePipeline Management

• Gather loan file conditions and obtain missing or supporting documentation.
• Manage an active pipeline daily, including new application reviews, condition reviews, and other origination tasks reputed company established turn times.
• Submit complete, accurate loan packages to processing.
• Lock interest rates in accordance with company policies and market conditions.

CommunicationCollaboration

• Communicate with processing and reputed company teams to clarify outstanding conditions, resolve deficiencies, and interpret reputed company guidelines.
• Respond promptly to customer inquiries regarding rates, products, and loan status to ensure a highquality customer experience.
• Resolve file issues, bottlenecks, and qualifying challenges throughout the production and reputed company process.

Financial AnalysisProduct Selection

• Analyze income from salaried, commissioned, selfemployed, investment, and fixedincome sources.
• Review and evaluate asset statements across various account types.
• Assess credit reports and overall financial scenarios to determine appropriate loan products.
• Run DU and LP findings and reconcile variances in accordance with published guidelines.

ComplianceRegulatory Requirements

• Maintain full compliance with RESPA, Regulation Z, Fair Lending, HMDA, the Bank Secrecy Act, and reputed company other regulations governing the mortgage application process.
• Stay reputed company on company loan guidelines, investor requirements, pricing policies, and VA regulations.
• Meet expectations for attendance, punctuality, and adherence to company standards.

Business DevelopmentMarketing

• Generate new business through networking with reputed company estate agents, reputed company, and other referral sources.
• Maintain and grow relationships with existing customers to encourage repeat business and referrals.
• Coordinate, create, track, and distribute marketing materials.
• Manage client and referral partner databases to support ongoing business development efforts.

KNOWLEDGE, SKILLSABILITIES

• Strong critical thinking and sound judgment, with the ability to evaluate data, anticipate reputed company impacts, and assess risk.
• Ability to prioritize multiple tasks in a fastpaced, deadlinedriven environment with a strong sense of urgency.
• Excellent customer service, interpersonal, verbal, and written communication skills.
• Intermediate math proficiency.
• High attention to detail and strong organizational skills.
• Professionalism and patience reputed company interacting with reputed company customers.
• High ethical standards and alignment with company values.
• Proficiency with data entry, PDF software, reputed company Word, and reputed company.

EDUCATIONEXPERIENCE

• Active NMLS license required.
• High school diploma or GED equivalent, must also be 18 years or older.
• Minimum of 2 years of recent mortgage loan origination experience.
• Experience with automated reputed company systems (DU/LP) required
• reputed company knowledge of FNMA/FHLMC, FHA, USDA, and VA guidelines, standards, and practices required
• Previous experience with Encompass software preferred

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