Mortgage Loan Originator

Title: Mortgage Loan Originator

Reports to: Mortgage President

Position Type: Full Time

Hours: Flexible

** This position is not remote and will work in our Omaha, NE location.**

Nobody values partnership like Arbor Bank. We partner with communities, home buyers, referral partners, our employees, and we’d love to explore partnering with you as a celebrated addition to our team of successful Mortgage Loan officers. Join Arbor Bank and you will be a proud member of a team that creates RAVING FANS by growing the value in every relationship. Don’t believe us? Submit your resume & we’ll show you what we’re all about.

At Arbor Bank we hire great people and provide them with the tools and resources to become even better through practicing their unique strengths. You will have direct access to Leadership, strengths coaching, a cutting-edge marketing team, top of the line technology and support, in-house processing, superior in-house underwriting and closing teams along with additional knowledgeable support staff to help you grow your business. Each team member has tremendous input on how the mortgage department operates and functions. In addition, the mortgage department has the complete support and assistance from the entire executive management team and board of directors. Your success is paramount to the overall success of Arbor Bank.

COMPANY SUMMARY - Arbor Bank employs nearly 150 individuals and is the oldest bank in Nebraska with mortgage representatives in Minnesota, Nebraska and Iowa. We’re proud to be a Gallup Strengths organization and promote employee engagement and Teamwork in everything we do. Our employees GROW with Arbor Bank by practicing their unique strengths to embody our Core Values: Do What You Do Best, Do Different Better, Be One Team, Take Total Ownership, Embrace Urgency, and Be A Guiding Force. Pay and benefits aren’t the only thing we do right, we also get the intangibles right with a culture, family-like atmosphere and values that are second to none. We’re proud that we plant two trees in a national forest for every new customer.

SUMMARY DESCRIPTION: The responsibilities of a Mortgage Loan Originator are to self-generate, negotiate, and coordinate the origination and closing of mortgage loans in compliance with Arbor Bank’s lending policies and procedures. Mortgage Loan Originators proactively develop relationships that bring in new residential mortgage business. You will interact with customers, business partners, and public in a manner that will enhance the overall marketing effort of our company.

MAJOR RESPONSIBILITIES/JOB DUTIES:

• Establishes, develops, and maintains client referral relationships with Realtors, Builders, Developers, clients, and other self-generated purchase-focused referral sources to develop new business and/or retain existing business.
• Responsible for the overall customer interaction and interface with all parties involved on each individual loan that is originated from application to closing, including but not limited to counseling and pre-qualifying potential home buyers.
• Maintains a professional image and standards consistent with company policies and procedures.
• Stays current on all trends, changes, and developments in the local real estate market.
• Stays current on all guidelines and regulations in the mortgage industry.
• Collects and analyzes information regarding the customer’s income, assets, investments, or debts.
• Cultivates and maintains a comprehensive working knowledge of current mortgage products offered by Arbor Bank and works with customers to determine which financial products best meet their needs and financial circumstances.
• Advises the customer regarding the advantages and disadvantages of different loan products.
• Negotiates terms and conditions of loans with customers and obtains all necessary support documents along with the appropriate fees and rate lock information.
• Regular attendance at work is an essential function of the job.
• Perform physical requirements as described in the Physical Requirements section
• Performs other duties as assigned.

REQUIREMENTS (education & experience required):

• Currently producing Mortgage Loan Originator with stable work history
• Must have an established referral database for sourcing your own leads.
• Excellent verbal and written communication skills
• Knowledge of bank compliance regulations
• Highly self-motivated and organized
• High school diploma or equivalent.
• Interacts with internal employees, and external customers, as well as realtors, sales agents, builders, financial planners, etc.
• Demonstrated judgment and decision-making ability.
• Proven ability to continue to expand knowledge of issues influencing the industry and the organization.

ADDITIONAL ELIGIBILITY QUALIFICATIONS—additional requirements such as certifications, industry-specific experience and the experience working with certain equipment, SOFTWARE, programs, etc.

• SimpleNexus
• Encompass
• Salesforce
• Ability to Acquire NMLS
• Experience with Microsoft Office products including Word, Excel and Outlook

COMPETENCY—Customer Service, Teamwork, Responsibility, Communication, Integrity, Problem Solving

WORK ENVIRONMENT—Ability to work from home and in an office

• No adverse environmental conditions expected.

PHYSICAL DEMANDS—

• Sedentary work that primarily involves sitting/standing.
• Remaining in a stationary position, often standing, or sitting for prolonged periods.
• Communicating with others to exchange information.
• Repeating motions that may include the wrists, hands and/or fingers.
• Assessing the accuracy, neatness and thoroughness of the work assigned.

TRAVEL—as needed

Affirmative action plan/equal employment opportunity (AAP/EEO) statement— Arbor Bank maintains a policy of non-discrimination with employees and applicants for employment. No aspect of employment with us will be influenced in any manner by race, color, religion, sex, age, national origin, marital status, disability, or any other basis protected by applicable law. We also believe in the principles of the Americans with Disabilities Act (ADA). ADA prohibits employers from unlawfully discriminating against employees or job applicants with disabilities when making employment decisions. We will provide reasonable accommodation to otherwise qualified disabled employees or applicants. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us.