The Mortgage Loan Originator (MLO) is responsible for conforming mortgage loan production throughout the assigned market.  Primary concentration and source of business is secondary conforming self-sourced mortgage business. Acts as an advisor to potential and existing mortgage customers. Maximize production with referrals from local builders, real estate agents, contractors, affinity partners and past clients. Ensure an exceptional customer experience is maintained with all potential and existing customers. Ensure all aspects of conforming mortgage applications are in compliance with all applicable state and Federal laws, regulations and bank policies and procedures.

Principal Duties & Responsibilities:

• Consistently meets and exceeds individual and/or team sales goals, including but not limited to deposit, loans and other, as applicable.

• Increase conforming loan applications through marketing and generating referrals from centers of influence, previous customers and client referrals.

• Introduce their self-sourced customers to other lines of business within the bank.

• Drive business development outside of retail branch network through real estate agents, homebuilders, relocation services, cold calling, etc.

• Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

• 2-4 years of mortgage sales experience. 

• Thorough understanding of underwriting criteria and guidelines.

• Knowledgeable in all aspects of the Federal and State Regulations dealing with Mortgage and Home Equity lending.

• Strong knowledge of conforming loan programs, products, and industry regulations.

• Excellent communication and interpersonal skills.

• Self-motivated, goal-oriented, and able to work independently.

• Strong computer skills and competence in Microsoft Office.

• Must have professional appearance and demeanor at all times.

• Bachelor's Degree in Business, Real Estate, or related field. 

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCP here.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at employment@citynational.com.