Mortgage Originator - Westmoreland & Fayette Counties at Somerset Trust Company in Greensburg, Pennsylvania

Job Description:

SUMMARY
An Originator is responsible for originating residential mortgages products through internal and external referral sources. The main focus will be on developing relationships with customers, realtors, builders, professionals and offer the highest quality of customer service. This position offers a base salary plus commission based on loans generated.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Manages and counsels customers through the entire loan process from data collection and analysis through loan conclusion; and maintains positive client relationship.
Responsible for generating new loan applications in the designated lending areas and for achieving loan origination goals.
Interviews and conducts meetings with loan customers and completes the loan origination process.
Establishes relationships with realtors, builders and other business relationships that will result in new loan growth.
Responsible to obtain all required loan documents.
Ability to discuss Somerset Trust Company mortgage loan products and recommends solutions to prospective customers.
Analyses applicant financial status, credit, and property evaluation to determine feasibility of granting loan.
Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
Meets with prospective customers and referral sources concerning all mortgage loan processing and documentation.
Develops new external referrals sources to attract new mortgage business.
Externally makes necessary contacts with new and existing borrowers to originate loans at customer's place of business or other appropriate locations.
Refers bank products to applicants to establish full relationships.
Maintains current knowledge of and adheres to the BSA policy.

SUPERVISORY RESPONSIBILITIES
This job has no supervisory responsibilities.


Qualifications: This job description is not intended to cover or contain a comprehensive listing of activities, duties, or responsibilities of an employee in this position. Below are knowledge, skills, and abilities that will be useful for successful performance of this job; however, this list of qualities is not intended to be all-inclusive.

Analysis - collect and research data; use intuition and experience to complement data; design work flows and procedures while considering risks and controls; perform due diligence on systems and vendors
Collaboration - build morale and work with other areas and at all levels of the bank to ensure meeting bank strategic goals and values
Customer Service - manage difficult or emotional customer situations; respond promptly to customer needs
Management - develop project plans; coordinate projects and communicate progress; complete projects on time; work on various projects simultaneously, and display the ability to prioritize
Problem Solving - identify and resolve problems in a timely manner; gather and analyze information; develop alternative solutions; work well in group problem solving situations; use reason even when dealing with emotional topics
Professional Development - strive to continuously build knowledge and skills for yourself and the loan operations staff
Teamwork - balance team and individual responsibilities; give and welcome feedback; contribute to building a positive team spirit
Communication - have and encourage strong verbal and written communication
Computer Skills - have a strong knowledge of PC skills, including Microsoft products
Adaptability - naturally identify opportunities for increased efficiency; desire to adapt quickly to emerging technologies and applications
Decision-making - demonstrate excellent decision-making after digesting and understanding complex issues

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience: Associates Degree or Bachelor Degree preferred. Experience may be substituted in lieu of degree. Two or more years of retail mortgage production experience. Registration required with Mortgage Licensing System Registry (NMLSR) and must obtain a unique identifier that will be provided to consumers.

Technical Skills: Ability to operate a personal computer and job-related software. (Web-based systems, Word, Excel, Encompass, Core Operating System (DNA)) Must be willing to learn new systems and not have any issues with emerging technology.

Knowledge, Skills , and Abilities: Comprehensive knowledge of Fannie Mae guidelines, VA, FHA (if applicable) and USDA programs, and the secondary market. Innovative problem solver and strategic thinker and planner. Goal-oriented with the ability to work efficiently in a fast-paced work environment. Highly organized. Emotionally intelligent, and capable of guiding and influencing disparate personality types.

Language Skills: Ability to read and interpret documents such as procedure manuals and release notes. Ability to write business correspondence, and policies using proper grammar and accurate spelling.

Mathematical Skills: Ability to calculate figures and amounts such as balances, payments, interest, etc.
Reasoning Ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Organizational, priority setting, and decision-making skills are also required.
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 essential functions.
While performing the duties of this job, the employee is regularly required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities by this job include vision, distance vision, color vision, peripheral vision, depth perception and the ability to focus.
Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.