Meridian Bank
The Mortgage Loan Originator originates residential mortgage loans according to established policies and procedures to ensure regulatory compliance while meeting sales goals. Responsible for performing various duties to support the Mortgage Department; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for this position. Reporting pertinent information to the immediate supervisor; responding to inquiries or requests for information. All or most of compensation is based on volume.
Qualifications Required
High School Diploma or equivalent
Minimum 2 year residential mortgage lending experience
Understanding of mortgage processing, underwriting, and closing procedures
Understanding of Residential Lending regulatory requirements to maintain compliance
Ability to work in a team environment
Strong computer skills (MS Office, etc.)
High degree of attention to detail and ability to multitask in a fast-paced environment
Essential Functions and Responsibilities
Valid Driver’s License
Develops and maintains relationships with prospects, realtors, closing agents and other referral sources
Ensures applications are completed accurately and requests supporting documentation as needed
Originates residential mortgage loans according to established policies and procedures to ensure regulatory compliance while meeting sales goals
Must maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry)
Maintain the pipeline for accuracy
Sends application and other required information to the underwriting area and to the processing area to clear any conditions and prepare for closing
Interviews customers applying for residential mortgage loans
Conducts closing with buyers, sellers, real estate agents, attorneys and others
Analyzes and screens preliminary loan requests on varied types of mortgage loans
Orders appraisals, credit reports and reference checks
Outlines loan terms and conditions, and informs prospective borrower of loan commitment
May counsel delinquent customers
Packages loans as required
Demonstrates and promotes Meridian Bank’s Core Values: Our Partners, Our People, Our Bank and Our Communities
Coordinates specific work tasks with other employees within the department as well as with other departments in order to ensure the smooth and efficient flow of information
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work place
Communicates with management and coworkers in order to integrate goals and activities
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.
Other duties as assigned including, but not limited to, scheduling appointments and maintaining calendar dates
Success Factors/Job Competencies
Organizational and time management skills
Ability to work with little or no supervision
Excellent decision making skills
Strong customer service skills
Excellent interpersonal and communication skills (verbal and written)
Timely and regular attendance
Completes work in a timely manner
Actively seek coaching
Application Access
Encompass
Physical Demands, Work Environment, and Location
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 necessary functions. This is a largely sedentary role, requiring the use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment.
Work environment: The noise level in this environment is minimal
Location: Various location(s) as assigned including but not limited to the following job-related travel requirements: Customer/Client locations, work events, charity events, loan closings and site visits, etc.
Equal Opportunity Statement
Meridian Bank is an Equal Opportunity Employer
Performance Standards
Annual review
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Qualifications Required
High School Diploma or equivalent
Minimum 2 year residential mortgage lending experience
Understanding of mortgage processing, underwriting, and closing procedures
Understanding of Residential Lending regulatory requirements to maintain compliance
Ability to work in a team environment
Strong computer skills (MS Office, etc.)
High degree of attention to detail and ability to multitask in a fast-paced environment
Essential Functions and Responsibilities
Valid Driver’s License
Develops and maintains relationships with prospects, realtors, closing agents and other referral sources
Ensures applications are completed accurately and requests supporting documentation as needed
Originates residential mortgage loans according to established policies and procedures to ensure regulatory compliance while meeting sales goals
Must maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry)
Maintain the pipeline for accuracy
Sends application and other required information to the underwriting area and to the processing area to clear any conditions and prepare for closing
Interviews customers applying for residential mortgage loans
Conducts closing with buyers, sellers, real estate agents, attorneys and others
Analyzes and screens preliminary loan requests on varied types of mortgage loans
Orders appraisals, credit reports and reference checks
Outlines loan terms and conditions, and informs prospective borrower of loan commitment
May counsel delinquent customers
Packages loans as required
Demonstrates and promotes Meridian Bank’s Core Values: Our Partners, Our People, Our Bank and Our Communities
Coordinates specific work tasks with other employees within the department as well as with other departments in order to ensure the smooth and efficient flow of information
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work place
Communicates with management and coworkers in order to integrate goals and activities
Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.
Other duties as assigned including, but not limited to, scheduling appointments and maintaining calendar dates
Success Factors/Job Competencies
Organizational and time management skills
Ability to work with little or no supervision
Excellent decision making skills
Strong customer service skills
Excellent interpersonal and communication skills (verbal and written)
Timely and regular attendance
Completes work in a timely manner
Actively seek coaching
Application Access
Encompass
Physical Demands, Work Environment, and Location
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 necessary functions. This is a largely sedentary role, requiring the use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment.
Work environment: The noise level in this environment is minimal
Location: Various location(s) as assigned including but not limited to the following job-related travel requirements: Customer/Client locations, work events, charity events, loan closings and site visits, etc.
Equal Opportunity Statement
Meridian Bank is an Equal Opportunity Employer
Performance Standards
Annual review
#J-18808-Ljbffr