The Symicor Group
Our bank client is seeking to fill a Consumer/Mortgage Loan Originator role in the Springfield, MA area. The selected candidate will originate and process consumer, home equity, HELOC, and first and second mortgage files in accordance with guidelines.
This position offers a competitive salary of up to $65K plus bonus and an excellent benefits package. (This is not a remote position.)
Consumer/Mortgage Loan Originator Responsibilities Include
Receiving, reviewing, and processing applications for consumer, home improvement, second mortgage, home equity, credit card, and overdraft account loans.
Conducting initial pre-qualification interviews and preparing complete loan application packages and necessary documentation and conveys policies for extension of credit.
Meeting with applicants to explain credit policies and to obtain additional loan information and documentation and assembling and evaluating loan applications and approving those that meet initial lending criteria and are within approved lending limits.
Discussing loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers.
Presents loan requests above the lending limit for approval as per loan.
Meeting mortgage loan scheduling and documentation requirements, and production expectations as determined by the VP of Lending.
Coordinating and processing closings.
Ensuring that each loan is promptly and properly prepared, documented, processed, approved, and disbursed.
Assisting in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due to date changes.
Performing follow-up work as necessary to achieve conditional approval within established time frames.
Coordinating functions with related departments and branches and providing support as needed.
Assisting lending services personnel and serving as a backup as needed.
Attending and participating in meetings and committees as required.
Professionally cross-sells services.
Completing special projects as assigned.
Requirements
Who Are You?
You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.
You Also Bring The Following Skills And Experience
High school diploma. Bachelor’s degree in related field preferred.
Three or more years of related experience and/or training.
Knowledge of consumer and residential lending practices.
Understanding of the foundation of determining creditworthiness.
Staying informed regarding changes in lending standards, related legal requirements, and trends in local real estate and competitive markets.
Familiarity with title reports, insurance, and appraisals.
Understanding of related legal and regulatory standards and required loan documentation.
Benefits
This position offers a competitive salary of up to $65K plus bonus and an excellent benefits package. (This is not a remote position.)
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