Mortgage Loan Originator - Fairhope, AL
Regions Financial Corporation - Fairhope, AL

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Directs origination of residential mortgage loans from a borrower through a branch network. Completes mortgage applications for submission to the loan processing and underwriting departments. Establish detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc and frequency of contact. Answer customer calls and walk in customers to discuss various loan products and qualification information. Make sales calls on potential or existing customers as established in marketing plan to develop new business or retain existing business. Prepare and distribute approved promotional flyers and materials. Establish and implement such other marketing strategies as may be required, including, but not limited to First Time Buyer seminars, First Sale by Owner contacts, letters to past customers, financing seminars. Network through professional, business and community organizations and activities to promote and market loan products. Evaluate loan requests, analyze financial data, and determine qualification of collateral and customer credit history. Structure loan to comply with acceptable lending practices and Federal regulations. Cross-sell other bank products and services. Prepare files for underwriting, loan committee, private mortgage insurance company and investor including preparation of loan approval sheet. Read surveys and appraisals, and take necessary steps to correct encroachments and violations. Qualify loan for final approval by Loan Committee. Maintain contact with loan customer, communicating progress of loan and obtaining any required documentation. Participate in worthwhile community activities to promote and enhance the Regions integrity in the community.

Qualifications

High school diploma or GED, Bachelors degree preferred and two years of mortgage lending experience with proven mortgage production. Abundant mortgage experience in developing external business via referral partners in the market including but not limited to realtors, builders, and financial planners. Thoroughly knowledgeable of mortgage products and services offered. Possess effective and proven sales experience. Keeps up to date knowledge of real estate market trends. Knowledgeable on agency and investor regulations and guidelines. Holds applicable licenses, as required. Accurate typing, spelling and grammar skills.
Knowledgeable on applicable computer software systems to include word processing, databases and spreadsheets. Good written and oral communication skills. Good organizational skills.This position requires registration with the national Mortgage Licensing System and Registry (NMLS), as created under the federal S.A.F.E. Act and the registration process can be found at the NMLS Resource Center located at http://mortgage.nationwidelicensing.org. Please refer to the registration option, not the licensing option.

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