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Mortgage Originator (United Bank)
Ref No.: 16-07403
Location: Charlottesville, Virginia
This position originates residential mortgage loans in the secondary market, thereby providing a broader array of mortgage loans products to our customers and enhancing the bank's fee based income. He or She develop referral relationships with realtors, builders, bankers and other strategic partners for the purpose of generating residential mortgages through ongoing sales efforts, including Bank's Affordable Housing Loan Program. As Sales Manager he or she will work with Supervisor and Executive Management to offer ways to increase both Secondary Mortgages and In House Mortgage production.

ESSENTIAL FUNCTIONS AND DUTIES:
  • Meets with customer or prospective customer to sell mortgage loan programs.
  • Meets with prospective customers at locations other than the employer's business such as the customer's home or place of business.
  • Interviews applicants and requests specified information for loan applications such as credit history, income, assets, investments, debt, and other necessary documentation such as information about the property.
  • Analyzes information provided by the customer and exercises discretion and independent judgment in order to advise them on the difference product offerings and options.
  • Advises customers on the risks and benefits of an assortment of mortgage loan options to achieve the mortgage loan that is most appropriate based on their individual financial situation while helping them achieve their financial goals.
  • Corresponds with or interviews applicants or creditors to resolve questions regarding application information.
  • Remains front line contact with borrower during application to closing process to obtain documentation necessary to facilitate the mortgage loan process.
  • Analyzes potential loan markets to develop prospects for loans. Must be able to develop new business from multiple sources while retaining existing business.
  • Develops and maintains working relationships with realtors, builders and other strategic referral partners.
  • Responsible for knowing underwriting guidelines and scenarios for conventions, FHA/VA, and subprime mortgages and staying up-to-date on market conditions.
  • Maintains thorough knowledge of pricing and underwriting requirements. Must be able to disclose and discuss parameters of various programs including pricing, interest rates, and fees associated with each loan program.
  • Submits complete loan packages for processing and final underwriting approval.
  • Maintains the ability to pre-qualify clients at initial meeting.
  • Works with superiors to coordinate efforts to increase loan production.
ADDITIONAL RESPONSIBILITIES:
  • Deepens customer relationships with bank by cross selling other bank products
Qualifications: EDUCATION AND EXPERIENCE:
  • Bachelor's degree (B.A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
KNOWLEDGE, SKILLS, AND ABILITIES:
  • Strong attention to detail
  • Excellent written and verbal communications skills
  • Ability to identify and appropriately respond to various issues
  • Ability to identify potential banking opportunities and comfortable work with prospective clients
  • Ability to speak effectively before groups of customers or employees of organization
  • Excellent computer skills with working knowledge of Microsoft Office software
  • Ability to multitask
  • Desire and ability to maintain open and professional communications and get along well with other people
  • Knowledgeable in automated underwriting engines and capable of reviewing findings with a clear understanding of terms of approval
  • Strong product knowledge
OTHER INFORMATION:
  • Significant travel of off-site work environments
  • Must have flexibility with working hours
Overview: With over 175 years of experience, United Bank is one of the region's premier banks with locations in West Virginia, Virginia, Washington, DC, Maryland, Ohio, and Pennsylvania. A subsidiary of United Bankshares, Inc., with dual headquarters in Washington, DC and Charleston, WV, we are a full service financial institution with over $14 billion in assets.

At United Bank, our people are our greatest asset. Our company is a perfect fit for hard-working, driven individuals as we provide a culture that is entrepreneurial, efficient, relationship-based and service-oriented. United is proud of our record of growth and our commitment to service - not only to our customers, but also to the communities in which we live and work.

United encourages our employees to become involved in the community and in professional activities, and we provide continued training and other support to help all employees achieve their full potential.

ControlID: 14.234.89 SHR