Mortgage Loan Originator

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Austin, TX

Job status
Full time
Benefits
Vision Insurance, Paid vacation, Paid personal time, Paid holidays, Life Insurance, Health Insurance, Disability Insurance
Job description
BC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects its dedication to the growth and success of its employees, customers, and communities. IBC bank hires talented, creative and dedicated individuals to help our business succeed. We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence. IBC's focus is to be customer-centric and strive to provide excellent customer experience.

We are currently seeking Experienced Mortgage Loan Originators.

As a Mortgage Loan Originator you will:
• Proactively solicit new residential mortgage business, work bank referral leads, and sell IBC Mortgage products.
• Continually develop and maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage opportunities.
• Develop relationships with the IBC Bank Sales Team and IBC Commercial Bankers.
• Evaluate and authorize or recommend approval of applications for residential real estate loans
• Possess an understanding of relevant loan products, regulatory disclosures, and interest rate pricing.

We offer a comprehensive benefits program that includes:
• Medical Coverage
• Dental Coverage
• Basic Life Insurance
• Supplemental Life Insurance
• Disability Insurance
• Medical Spending Account
• Child Care Spending Account
• 401(k)
• Profit Sharing
• Tuition Assistance Program
• Computer Assistance Purchase Program
• Vacation
• Sick Leave
Education requirements
• High school diploma or GED
Experience requirements
• 2 years of recent experience in residential loan originations is preferred.
Qualifications
• RMLO license highly preferred (NMLS registration required).
• Knowledge of Conventional and Government Mortgage products.
• Knowledge of procession, underwriting, closing, and funding of mortgage loans.
Responsibilities
• Develop and maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage opportunities.
• Develop relationships with the IBC Bank Sales team and IBC Commercial Bankers.
• Evaluate and recommend approval of applications for residential real estate loans.
• Possess an understanding of relevant loan products, regulatory disclosures, and interest rate pricing.
• Take information from the borrower and complete the application.
• Analyze the prospective borrower's income and debt and pre-qualify the prospective borrower.
• Educate the prospective borrower in the home buying and financing process, advise the borrower about the different types of loan products available, and demonstrate how closing costs and monthly payments could vary under each product.
• Quote interest rates and fees.
• Maintain regular contact with the borrower and realtors between application and closing.
• Assist the borrower in understanding and clearing credit problems.
• Participate in the loan closing.
Skills
• Strong written and verbal communication skills.
• Strong customer service skills.
• Ability to manage a pipeline.
• Ability to calculate qualifying income from federal tax returns.
• Teamwork skills.
• Must be self-motivated and highly organized.

We are an Equal Opportunity Employer.
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