Loan Originator at Northern Mortgage Services – Byron Center, Michigan

The Mortgage Loan Originator conducts interviews with prospective borrowers to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather sany additional required information. The MLO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies, and adhering to HMDA requirements.

• Build trust with potential clients and develop referral networks, customarily and regularly engaged away from the office.
• Analyze applicants' financial status, credit, and property information to determine feasibility of qualifying for loan programs.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services, primary duty is in making sales.
• Obtain and compile copies of loan applicants' credit histories, financial statements, and other personal information.
• Review loan applications to ensure that they are complete and accurate according to policy.
• Stay abreast of new types of loans and other financial services and products to better meet customers' needs, understand mortgage regulations and financial markets.
• Confer with underwriters to aid in resolving mortgage application problems.
• Work with clients to identify their financial goals and to find ways of reaching those goals.
• Analyze potential loan markets and develop new opportunities to locate prospects for loans.
• Demonstrates NMS CHIPP philosophy in all interactions.
• Performs other duties as assigned.

• High school diploma or equivalent required.
• Valid Mortgage Loan Originator License, Federal & State(s).
• Minimum of 1 year residential mortgage lending experience with a focus on generating self-sourced business.

This position is customarily engaged in business development, client calls, local meetings, and as such frequent travel will be common, though generally limited to a 50 mile radius from the employee’s base of operations.