Senior Mortgage Loan Originator

ESSENTIAL DUTIES AND RESPONSIBILITIES: 

• Develop sustainable and consistent referral relationships (realtors, builders, professional and personal contacts). 

• Maintain knowledge of Fifth Third Mortgage Company's policies and procedures, available loan products, processing procedures, and underwriting and general departmental guidelines. Completes all required training on time. 

• Works with senior leadership to develop coach and train assigned Mortgage Loan Advisor on behaviors and activities required to development and sustain internal and external referral sources. 

• Works with senior leadership to educate Mortgage Loan Advisor on all aspects and components of the mortgage loan originator position. 

• This would include, but not limited to, agency and portfolio guidelines, processing, underwriting, closing, and pricing procedures. 

• Work with senior leadership to help Mortgage Loan Advisor master skillset required to facilitate the loan from origination through closing. 

• Follow defined protocol for escalation exceptions. 

• Take applications by completing URLA on laptop. 

• Utilize available technology and support for communication and access of daily rates, applicant credit reports, origination of loan files and uploading of files to operations to the fullest. 

• Collect appropriate documentation from applicant(s) and deliver loan package in the time frames set by management. 

• Manage pipeline for all originated loans through closing and complete required management reports. 

• Communicate with branches and/or applicants of providing timely updates and status reports. 

• Maintain high levels of customer service while managing each applicant's and Fifth Third expectations. 

• Attend and participate in all Mortgage and Consumer Lending sales meetings, calls and training as required by management. 

• Collect application fees on loan applications per policy. 

• Participate in One Bank making appropriate referrals to other lines of business. 

MINIMUM KNOWLEDGE AND SKILLS REQUIRED: 

• High school diploma or equivalent mandatory. Four-year college degree preferred. 

• 3-5 years of origination experience at Fifth Third, or similar institution preferred. 

• Top 25% in closed loan production or units in the prior calendar year preferred in addition to a proven track record of exceptional performance such as top tier score-card performance. 

• Consistently demonstrates advanced proficiency and adoption of Total Expert and other origination/lead generation systems. 

• Knowledge of conventional and/or government lending guidelines. 

• Knowledge of residential mortgage processing, underwriting, and closing procedures. 

• Knowledge of federal lending regulations governing real estate lending. 

• Demonstrated organizational skills. 

• Strong written and verbal communications skills. 

• Demonstrated teamwork and customer service skills with a passion for helping to develop and train entry level talent 

• Proven computer skills. 

• Basic sales technique skills. 

• Strong desire to excel in a competitive environment. 

• This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System 

• (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.