Mortgage Loan Originator Assistant - Genesee Regional Bank

SALARY RANGE: $21.79 - $25.60                              

PRIMARY RESPONSIBILITY:

The Mortgage Loan Originator Assistant is responsible to provide a wide range of duties related to the day-to-day sales functions of the Mortgage Loan Originator (MLO). The Assistant acts as the main facilitator for communications between the MLO and sourcing agents, customers, vendors, and mortgage operations support.

ESSENTIAL FUNCTIONS:

• Walk customers through application process and follow up on any outstanding items.
• Assist MLO with customer pre-qualifications as needed.
• Communicate with customers and prospects regarding rate inquires, appointments, loan status, title, commitment follow up and other information deemed necessary.
• Perform thorough pre-processing of conventional, government and portfolio residential mortgage files: Assure all components to the file are ordered, copied and included in the loan package prior to processing.
• Follow up on home buyer inquiries and application progress.
• Utilize the Bank’s mortgage technology systems regularly, including Encompass and Direct Underwriting for data input to record and track loan progress. Maintain strong working knowledge of Secondary Market automated underwriting systems.
• Schedule and confirm appointments and review with customers all documents needed at time of application to ensure efficiency.
• Communicate to Realtors the status of applications.
• Keep sellers/buyers attorneys informed of loan status.
• Make joint sales calls as needed.
• Process a reduced caseload (20 maximum)
• Serve as a liaison between MLO and the Mortgage Operations team.
• Follow up with past customers to maintain positive relationships with the Bank.
• Provide marketing support to MLO including preparation of marketing materials.
• Keep up to date on Bank Policies, Laws and Regulations that govern residential mortgage
• Confirm and/or cross-sell additional banking products.
• Demonstrate the behaviors outlined by the GRB Experience.
• Assist in other areas as needed.

EDUCATION AND EXPERIENCE:

• High school diploma required; Associate’s degree preferred.
• Minimum 3 years residential mortgage sales and/or processing experience required.
• Must have or be able to obtain a National Mortgage Licensing System (NMLS) number and remain active with the S.A.F.E Act registration throughout the duration of employment (with GRB assistance).

COMPETENCIES:

• Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.
• Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
• Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
• Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.
• Demonstrated PC literacy.
• Strong understanding of the mortgage industry is required, as well as familiarity with Secondary Market mortgage lending.

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 use hands or fingers, handle, or feel and reach with hands and arms.  The employee frequently is required to stand, sit, climb or balance, and talk or hear.  The employee regularly is required to walk and stoop, kneel, crouch, crawl, and climb stairs.  The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision, 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.  The work environment is indoor and climate controlled.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, sexual orientation, gender identity, marital status, disability, veteran status, or any other basis protected by applicable federal, state or local law.

THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)