Mortgage Loan Officer
Company: Origin Bank
Location: Fort Worth
Posted on: April 18, 2019
Summary Solicits, negotiates, underwrites and coordinates the
closing of residential, construction and commercial mortgage loans
in compliance with the Bank's policies, procedures and related laws
and regulations. Serves as the customer's guide through the
mortgage process and ensures all documents and procedures are
completed within the required time frames by performing the
Duties and Responsibilities include the following.
* Provides exceptional customer service by positive customer
interaction and punctual responses to customer calls and
* Maintains a thorough knowledge of all the products offered by the
* Effectively interviews the loan applicant to gather all of the
essential information needed for application and educates the
borrower on the steps of the mortgage process.
* Counsels the borrower regarding the best program for their
* Ensures the integrity of the information submitted in the loan
application process and completes all steps within the required
* Maintains contact with the applicant during the entire process to
keep them updated and provides timely notice to borrower of any
potential issues or additional information needed.
* Locks the loan with the investor while adhering to the investor
guidelines to avoid having to pull the lock and ensures compliance
with current loan program requirements.
* Communicates all disclosures per RESPA guidelines within the
required time frame.
* Prices loans within mortgage department guidelines.
* Establishes community relationships by participating in Banking
Center functions and supporting local organizations.
* Contacts borrower to inform them of the underwriting decision and
to either deny the application or schedule the loan closing.
* Maintains consistent volume of mortgage loans in pipeline.
Consistently cleans that pipeline of adverse applications that are
not active or should be declined for other reasons as accepted by
To perform the job successfully, an individual should demonstrate
the following competencies:
Problem Solving - Identifies and resolves problems in a timely
manner; Gathers and analyzes information skillfully.
Interpersonal Skills/Customer Service - Maintains confidentiality;
Responds to requests for service and assistance; Meets
Oral and Written Communication - Listens and gets clarification;
Responds well to questions; Participates in meetings; Writes
clearly and informatively; Presents numerical data effectively;
Able to read and interpret written information.
Teamwork - Balances team and individual responsibilities; Exhibits
objectivity and openness to others' views; Contributes to building
a positive team spirit; Puts success of team above own
Diversity and Ethics - Treats people with respect; Works ethically
and with integrity.
Organizational Support and Strategic Thinking - Follows policies
and procedures; Supports organization's goals and values; Benefits
organization through outside activities; Analyzes market and
Judgment - Exhibits sound and accurate judgment; Supports and
explains reasoning for decisions; Includes appropriate people in
decision-making process; Makes timely decisions.
Motivation - Sets and achieves challenging goals; Demonstrates
persistence and overcomes obstacles.
Planning/Organizing - Prioritizes and plans work activities; Uses
Professionalism - Reacts well under pressure; Treats others with
respect and consideration regardless of their status or position;
Accepts responsibility for own actions; Follows through on
Quality and Quality - Demonstrates accuracy and thoroughness; Looks
for ways to improve and promote quality; Applies feedback to
improve performance; Meets productivity standards; Completes work
in timely manner; Strives to increase productivity.
Adaptability, Initiative and Innovation - Adapts to changes in the
work environment; Manages competing demands; Changes approach or
method to best fit the situation; Able to deal with frequent
change, delays, or unexpected events; Volunteers readily; Asks for
and offers help when needed.
Attendance/Punctuality and Dependability - Is consistently at work
and on time; Ensures work responsibilities are covered when absent;
Arrives at meetings and appointments on time; Follows instructions,
responds to management direction; Takes responsibility for own
actions; Commits to long hours of work when necessary to reach
Qualifications To perform this job successfully, an individual must
be able to perform each essential duty satisfactorily. The
requirements listed below are representative of the knowledge,
skill, and/or ability required. Reasonable accommodations may be
made to enable individuals with disabilities to perform the
Education and/or Experience
High school diploma or general education degree (GED) with a
minimum two years mortgage lending experience.
To perform this job successfully, an individual should have
knowledge of the Internet, Outlook, Microsoft Word, Excel and
PowerPoint. Ability to use basic office machines. Ability to learn
bank-specific software such as MPC, IBS, ADP, etc.
Bank Culture/Customer Service Skills
Promotes the Bank's culture, including the support of our Brand
promise and Core Values.
Ability and judgment to interact and communicate appropriately with
other employees, customers and supervisor. Ability to serve
customers, both internal and external, (community/public) in a
manner that will reflect superior customer relations and enhance
the overall marketing effort of Origin Bank.
Physical Demands While performing the duties of this job, the
employee is regularly required to use hands to finger, handle, or
feel and talk or hear. The employee is frequently required to sit.
The employee is occasionally required to stand; walk; reach with
hands and arms; climb or balance and stoop, kneel, crouch, or
crawl. The employee must frequently lift and/or move up to 10
pounds and occasionally lift and/or move up to 25 pounds. Specific
vision abilities required by this job include close vision and
ability to adjust focus.
Work Environment The noise level in the work environment is usually
This job description reflects management's assignment of essential
functions. It does not prescribe or restrict the tasks that may be
assigned. Origin Bank shall, in its discretion, modify or adjust
the position to meet the Bank's changing needs. This job
description is not a contract and may be adjusted as deemed
appropriate in the Bank's sole discretion.
*Origin Bank is an Equal Opportunity Employer. We recognize and
value diversity as it strengthens our ability to attract, retain,
and engage team members. We support a diverse and inclusive work
environment where all team members are given opportunities to
perform to their fullest potential. We believe it is only with a
diverse and inclusive workplace that Origin Bank can truly perform
at its best, carry out its vision, and make a difference in the
communities we serve.
Keywords: Origin Bank, Fort Worth , Mortgage Loan Officer, Other , Fort Worth, Texas
Didn't find what you're looking for? Search again!