Centennial Bank
Position Title

Mortgage Loan Originator - Pensacola

Job Title

Mortgage Loan Originator

Job Description

Job Title:Mortgage Loan Originator
Reports to: Division President, CLO or Residential Mortgage Sales Manager
FLSA Status:Non-Exempt

SUMMARY: Solicits residential first mortgages through contacts with Realtors, builders, and developers. Interview loan applicants and makes credit decisions.

ESSENTIAL DUTIES AND RESPONSIBILITIES : (Other duties may be assigned.)
1. Work with assigned branch office to ensure awareness of home loan products.

2. Handle referrals from branch office and provide appropriate follow-up.

3. Develop referral contacts (realtors, builders, professional and personal contacts).

4. Analyze financial data to determine creditworthiness.

5. Maintain knowledge of available loan products, processing procedures and underwriting guidelines.

6. Take borrower applications.

7. Utilize communication and access of daily rates, credit reports and DU responses and transmitting to processor.

8. Collect appropriate documentation from each applicant and deliver loan package to processor in a timely manner.

9. Maintain high levels of customer service while managing each applicants and support staffs expectations.

10. Attend and participate in all lending meetings as required.

11. Complete BSA/AML training and other compliance training as necessary.

12. Perform any other related duties as required or assigned.

Basic Qualifications

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Broad knowledge of such fields as advanced accounting, marketing, business administration, finance, etc. Equivalent to four years of college, plus 1 - 4 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience.

Ability to read, analyze, and understand general business/company related articles and professional journals; Ability to speak effectively before groups of customers or employees.

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

Under direction where a definite objective is set up and the employee plans and arranges own work, referring only unusual cases to supervisor.

Considerable responsibility with regard to general assignments in planning time, method, manner, and/or sequence of performance of own work, in addition, the work operations of a group of employees, all performing basically the same type of work.

Performs work operations which permit frequent opportunity for decision-making of minor importance and also frequent opportunity for decision-making of major importance, either of which would affect the work operations of small organizational component and the organization's clientele.

Very close mental demand. Operations requiring very close and continuous attention for control of operations which require a high degree of coordination or immediate response. Operations requiring intermittent direct thinking to determine or select the most applicable way of handling situations regarding the organization's administration and operations; also to determine or select material and equipment where highly variable sequences are involved.

Moderately directed. Activities covered by wide-ranging policies and courses of action, and generally directed as to execution and review. High order of analytical, interpretative, and/or constructive thinking in varied situations.

Regular use of complex machines and equipment (desktop/laptop computer and software, road and production machines and equipment, etc.)

Probable errors would not likely be detected until they reached another department, office or patron, and would then require considerable time and effort to correct the situation. Frequently, possibility of error that would affect the organization's prestige and relationship with the public to a limited extent, but where succeeding operations or supervision would normally preclude the possibility of a serious situation arising as a result of the error or decision.

Regular contacts with patrons where the contacts are initiated by the employee. Involves both furnishing and obtaining information and, also, attempting to influence the decisions of those persons contacted. Contacts of considerable importance and of such nature, that failure to exercise proper judgment may
result in important tangible or intangible losses to the organization.

Contacts with other departments or offices and also frequently with individuals in middle level positions; consulting on problems which necessitate judgment and tact in presentation to obtain cooperation or approval of action to be taken. Also, important contacts with associates as required in advanced supervisory jobs.

Intermediate: 10-Key, Accounting

The following physical activities 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 and expectations.

While performing the functions of this job, the employee is frequently required to sit; and occasionally required to stand, walk, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds.

The following work environment characteristics described here are representative of those an employee encounters while performing 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.

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