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Mortgage Loan Originator (CoastalStates Bank/Homeowners Mortgage Enterprise)
Ref No.: 16-07075
Location: Tampa, Florida
The Mortgage Loan Originator is responsible for originating residential 1st mortgage loans. The MLO originates 1st mortgage products including Conventional, Client/FHLMC, FHA, VA, USDA Rural Housing, Jumbo and Portfolio loan products. The MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise borrowers of product, pricing and loan program guidelines, and gather any additional required information. The MLO ensures exceptional customer service by maintaining thorough knowledge of mortgage loan programs, policies, procedures and regulatory requirements.
Essential Functions
¿ Proactively solicit business from referral sources: realtors, builders, CPA's, attorneys, personal spheres of influence and affinity sources
¿ Routinely participate in business development activities in the community and prospect for new business on a continual basis
¿ Grow and maintain customer database via CRM technology
¿ Enter complete/accurate customer information into the Encompass (L.O.S.)Loan Origination System
¿ Must be able to quote accurate rates, closing costs and loan terms
¿ Knowledge of conventional, government, jumbo and portfolio loan underwriting guidelines
¿ Familiar with FHA and HUD guidelines
¿ Product knowledge that focuses on a needs based selling approach with the borrower
¿ MLO will run AUS (Automated Underwriting System) and must be able to analyze results
¿ Ability to manage existing loan pipeline
¿ Knowledge of processing, underwriting and closing procedures as well as federal lending regulations governing real estate lending
¿ Successfully interacts with the lending staff, underwriters, and processors to aid in meeting closing deadlines.
Required Education and Experience
¿ Associate's degree (A.A.) or equivalent from two year college or technical school
¿ Six months to one year related work experience and/or training.
¿ Or, equivalent combination of education and experience.
Preferred Education & Experience
Two to three years of Mortgage Loan Origination and/or sales experience
Additional Eligibility Qualifications
This position is subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements. Failure to register successfully or to maintain a status in good standing under the SAFE Act will affect your eligibility for continued employment and may result in your immediate termination.
The company provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, service member status, amnesty or status as a covered veteran, or any other protected classification under applicable federal, state, and local laws.

ControlID: 14.234.89 SHR