Mortgage Loan Originator

As a Mortgage Loan Originator, you will serve as a pivotal financial advisor and brand ambassador, bridging the gap between aspiring homeowners and the ideal lending solutions. You will be responsible for navigating the complexities of the mortgage landscape—conducting deep-dive financial analyses, evaluating creditworthiness, and architecting loan packages that align with both client goals and institutional risk standards. This role requires a high-performance mindset focused on cultivating a robust referral network, ensuring strict regulatory compliance, and delivering a sophisticated client experience from application to funding.

Duties and responsibilities

• Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
• Work with processor when milestones are not met by borrower.
• Have a clear understanding of compliance and guidelines.
• Cultivate relationships to generate leads and sources.
• Attend and represent ABSM at industry events in a professional manner at all times.

• Demonstrate advanced product knowledge of FHA, VA, Conventional and other loan programs such as Home Equity Lines of Credit, 2nd Mortgages, Home Improvement, down payment assistance and bond programs, reverse mortgages, and non-QM products.
• Demonstrate working knowledge of federal and state guidelines, rules and regulations such as RESPA, TILA, HMDA, TRID etc.
• Ability to maintain a high level of professionalism, customer service, and communication with all parties involved in the loan cycle.
• Proficient with Encompass, or other paperless mortgage loan origination systems.
• Understanding of all compliance regulations and investor guidelines.
• Strong PC Skills. Must be proficient in MS Windows, Excel, Outlook and Work. Intermediate Excel skills a plus.
• Has knowledge of commonly used terminology, concepts and practices and procedures within the mortgage industry.
• Ability to meet time deadlines while working under pressure.
• Ability to effectively handle simultaneous tasks in a fast-paced environment.
• Able to effectively and efficiently work independently or as a member of a team.
• Strong business writing and math skills.
• Ability to effectively analyze loan account related problems and define and create solutions.
• Must be able to work a flexible schedule that may include some evening and weekend hours
• Oral and Written Communication Skills
• Reading Skills
• Customer Service
• Math Aptitude
• Budgeting
• Organization, Planning, and Time Management
• High School Diploma or Equivalent.
• NMLS license is a requirement.

Physical Requirements

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.

• Travel is required.
• Frequently required to stand, walk, sit, and travel between various locations.
• Frequently required to use hands to finger, handle, or feel, and reach with hands and arms.
• Occasionally required to climb or balance, stoop, kneel, crouch, or crawl.
• Frequently lifts and/or moves up to 10 pounds and occasionally lifts and/or moves up to 20 pounds.
• Specific vision abilities required by this job include close vision, color vision, and ability to adjust focus.

This description outlines the basic responsibilities and requirements for the position noted. This is not a comprehensive listing of all job duties. Duties, responsibilities and activities may change at any time with or without notice.