Senior Mortgage Loan Originator

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Develop sustainable and consistent referral relationships (realtors, builders, professional and personal contacts).

• Maintain knowledge of Fifth Third Mortgage Company's policies and procedures, available loan products, processing procedures, and underwriting and general departmental guidelines. Completes all required training on time.

• Works with senior leadership to develop coach and train assigned Mortgage Loan Advisor on behaviors and activities required to development and sustain internal and external referral sources.

• Works with senior leadership to educate Mortgage Loan Advisor on all aspects and components of the mortgage loan originator position.

• This would include, but not limited to, agency and portfolio guidelines, processing, underwriting, closing, and pricing procedures.

• Work with senior leadership to help Mortgage Loan Advisor master skillset required to facilitate the loan from origination through closing.

• Follow defined protocol for escalation exceptions.

• Take applications by completing URLA on laptop.

• Utilize available technology and support for communication and access of daily rates, applicant credit reports, origination of loan files and uploading of files to operations to the fullest.

• Collect appropriate documentation from applicant(s) and deliver loan package in the time frames set by management.

• Manage pipeline for all originated loans through closing and complete required management reports.

• Communicate with branches and/or applicants of providing timely updates and status reports.

• Maintain high levels of customer service while managing each applicant's and Fifth Third expectations.

• Attend and participate in all Mortgage and Consumer Lending sales meetings, calls and training as required by management.

• Collect application fees on loan applications per policy.

• Participate in One Bank making appropriate referrals to other lines of business.

MINIMUM KNOWLEDGE AND SKILLS REQUIRED:

• High school diploma or equivalent mandatory. Four-year college degree preferred.

• 3-5 years of origination experience at Fifth Third, or similar institution preferred.

• Top 25% in closed loan production or units in the prior calendar year preferred in addition to a proven track record of exceptional performance such as top tier score-card performance.

• Consistently demonstrates advanced proficiency and adoption of Total Expert and other origination/lead generation systems.

• Knowledge of conventional and/or government lending guidelines.

• Knowledge of residential mortgage processing, underwriting, and closing procedures.

• Knowledge of federal lending regulations governing real estate lending.

• Demonstrated organizational skills.

• Strong written and verbal communications skills.

• Demonstrated teamwork and customer service skills with a passion for helping to develop and train entry level talent

• Proven computer skills.

• Basic sales technique skills.

• Strong desire to excel in a competitive environment.

• This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System

• (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.