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Mortgage Loan Originator (CresCom Bank)
Ref No.: 16-07254
Location: Columbia, South Carolina
The Mortgage Loan Originator position will originate permanent FHA/VA and conventional residential mortgage loans and participates in related business development activities.

PRINCIPAL ACCOUNTABILITIES:
  • Solicits residential first mortgages through contacts with realtors, builders, and developers.
  • Provides service to customers and prospective customers seeking residential mortgage loans.
  • Interviews applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk.
  • Obtains and analyzes pertinent financial and credit data.
  • Ensures the preparation and processing of forms and legal documents required for residential loans.
  • Negotiates terms and conditions of loan with mortgagors.
  • Keeps informed on trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages.
  • Relies on judgment and extensive experience to plan and accomplish goals.
  • Possess a good working knowledge of all regulatory requirements pertaining to the job function, including, but not limited to, BSA/AML, the U.S. Patriot Act, and privacy laws.
  • Satisfactory and timely completion of all required regulatory training.
BASIC QUALIFICATIONS:
  • Bachelor's degree with at least 2 years of mortgage lending experience.
  • Possess in-depth knowledge of mortgage lending, including the ability to evaluate cash flow and collateral.
  • Advanced financial analysis, strong credit underwriting, and analytical skills.
  • Ability to handle confidential and proprietary information.
  • Thorough understanding of loan laws and regulations.
  • Ability to succeed in a team environment as well as independently.
  • Excellent written and oral communication skills.
  • Excellent organization skills.
ControlID: 14.234.89 SHR