抵押贷款发起人 - 圣安东尼奥
mortgage loan originator - San Antonio
让第五第三银行更卓越®
我们为优秀的人才提供卓越的机会。你准备好迈出下一步了吗？在第五第三银行开启你的银行业生涯。
一般职责：
负责处理来自外部推荐的住宅首套房抵押贷款的各类事务。满足管理层设定的抵押贷款销售和交叉销售标准与目标。对住宅抵押贷款从申请到成交的全过程负全责。
通过公开交流想法和意见，提升关注点，并严格按照规定执行政策和流程来承担风险。始终为客户和同事做正确的事，确保行为和行动推动积极的客户体验。在银行的风险偏好范围内，通过持续识别、评估、管理、监控和报告各种风险来实现成果。
主要职责和要求：
- 建立推荐联系人（房地产经纪人、开发商、专业和个人联系人）。
- 熟悉第五第三抵押贷款公司的政策和流程。
- 熟悉可用的贷款产品、处理流程以及承销和部门通用指南。
- 遵循规定的异常情况升级协议。
- 通过笔记本电脑完成房利美1003表格，接收申请人申请。
- 使用笔记本电脑进行沟通，获取每日利率、申请人信用报告、Loan Prospector反馈，并将贷款传输至LOMAS。
- 从每位申请人处收集适当的文件，并在管理层设定的时间内提交贷款资料包。
- 管理所有已发放贷款的流程直至成交，并完成所需的管理报告。
- 与分行和/或申请人沟通，提供及时的更新和进度报告。
- 在管理每位申请人的期望和支持团队的期望的同时，保持高水平的客户服务。
- 按照管理层要求参加所有消费者贷款会议。
所需最低知识和技能：
- 必须拥有高中文凭或同等学历。四年制大学学位优先。
- 熟悉常规和/或政府贷款指南。
- 熟悉住宅抵押贷款处理、承销和成交流程。
- 熟悉规范房地产贷款的联邦贷款法规。
- 具备良好的组织能力。
查看英文原文
Make banking a Fifth Third better®
We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.
GENERAL FUNCTION:
Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals. Meets standards and objectives defined by management for mortgage loan sales and cross-selling objectives. Assumes overall responsibility for the residential mortgage loan from application to closing.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Develop referral contacts (realtors, builders, professional and personal contacts).
- Maintain knowledge of Fifth Third Mortgage Company's policies and procedures.
- Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines.
- Follow defined protocol for escalation exceptions.
- Take applicant applications by completing Fannie Mae form 1003 on the laptop.
- Utilize the laptop for communication and access of daily rates, applicant credit reports, Loan Prospector responses and transmitting the loan to LOMAS.
- Collect appropriate documentation from each applicant 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 progress reports.
- Maintain high levels of customer service while managing each applicant's and support staff's expectations.
- Attend and participate in all Consumer Lending meetings as required by management.
MINIMUM KNOWLEDGE AND SKILLS REQUIRED:
- High school diploma or equivalent mandatory. Four-year college degree preferred.
- 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.
- 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.
mortgage loan originator - San AntonioAt Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: or by consulting with your talent acquisition partner.
LOCATION -- Virtual, Texas 00000Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
Originally posted on Himalayas