The Bank of Elk River
Elk River, MN
Mortgage Loan Originator
As a Mortgage Loan Originator for The Bank of Elk River, you will be a key producer in our growing mortgage department. Sourcing and building dynamic relationships with clients and key partners such as builders, realtors, and local community leaders is the primary component of this role. To be successful, you must have flexibility, drive, attention to detail, and a strong understanding of federal and state regulations.
To perform this job successfully the individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Engages in extensive business development opportunities with realtors and other centers of influence to build mortgage lending relationships.
Maximizes new and existing customer relationships by cross selling key deposit/fee income products/services based on customer needs. Presents and structures loan products that are in the best interest of the customers.
Interviews and assists customers in the completion of loan applications in compliance with Bank policy and related mortgage rules and regulatory guidelines.
Gathers and oversees compilation of all needed information for loan application. Works with mortgage team to request appraisals, applicant credit reports and other information pertinent to evaluation of loan application. Corresponds with applicant to resolve questions.
Assures timely loan closing and funding activities. Maintains updated loan documentation and loan files.
Facilitates negotiation with customer, both new and existing, according to established standards, such as fees, loan repayment options, and other credit terms.
The competencies listed below are critical to the success of this role.
Proficient with Microsoft Office and other mortgage lending specific bank computer programs.
Communicates effectively and respectfully with all points of contact. Treats others with respect and shows sensitivity for differences.
Uses time management skills to prioritize, plan out work activities, and completes work on time. Reacts well under pressure and can multitask to meet deadlines.
Provides excellent customer service with external and internal customers of the bank. Works well with others.
Accepts responsibility for own actions. Meets challenges with resourcefulness. Pursues training and development opportunities and strives to continuously build and share knowledge and skills.
Attention to Detail:
Demonstrates a high level of accuracy, attention to detail and is able to edit work for errors.
Adapts to changes in the work environment. Changes approach or method to best fit the situation. Able to deal with frequent change, delays or unexpected events.
Finds new ways to improve practices, identify inefficiencies and provides suggestions for improving work processes. Applies common sense to resolve problems in a timely manner.
Bachelor’s degree or equivalent combination education and experience.
A minimum of 3 years Mortgage Banking experience.
CERTIFICATES AND LICENSES
Mortgage Loan Originator (MLO) license.
While performing the duties of this job, the employee is regularly required to sit and use computer for extended periods. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
How to Apply: