• Senior Mortgage Loan Originator

    Job ID
    2018-2578
    Location
    North Dallas
    Type
    Full-Time
    Address
    16000 Dallas Parkway
    # of Openings
    1
    City, State
    US-TX-Dallas
  • Overview

    Independent Bank provides a wide range of commercial and consumer banking solutions powered by people who value lasting relationships and commitment to community. We are founded on the belief that we have a deep responsibility to solve problems and build healthy communities. Our unique brand of banking is delivered by dedicated employees, who share an honest desire to make a lasting and positive impact. Come join us!

     

    The incumbent originates mortgage files and assists with processing and underwriting conditions when necessary.  This is a full-time/non-exempt position with full benefits and is primarily commission-based.   The person hired may work from any of our available branches. 

    Responsibilities

    • Pre-qualifies all borrowers for both interim and permanent real estate loans.
    • Gathers all necessary loan documentation from customer to submit loan.
    • Inputs loan application on Mortgage Origination software, evaluates documents and compares for accuracy.
    • Responsible for ordering credit reports through the bank’s software and making a printed copy.
    • Submits loan documentation for approval.
    • Orders appraisals and title work when needed.
    • Assists Processors by helping compile conditions of loan approvals to submit to underwriting for final approval.
    • Back-up closing function when necessary by ordering documents, complete fee sheets and schedule closings.
    • Compares competitive mortgage rates daily and price the Bank’s daily quotes when necessary.
    • Locks in interest rates with lender on lender software when necessary.
    • Submits monthly commission report to manager by the first working day after month end (using Word and Excel)
    • Completes compliance and other job related training as required
    • Refers unusual or suspicious activities or transactions to the BSA officer immediately
    • Complies with all department and bank policies and procedures and maintains compliance with State and Federal Regulations
    • Contributes to the fulfillment of the department and the bank objectives and goals
    • Performs as a team member, and completes any other job-related duties as assigned 

     

    Qualifications

    • High School Diploma or equivalent.  Education should include the successful completion of recent mortgage courses (conventional and FHA lending).  Must have a thorough knowledge of mortgage regulations, as well as the recent changes on guidelines for all 1-4 family residential loans.
    • Minimum of 4 years of experience in all aspects of mortgage lending and originating.
    • Ability to proficiently use a computer, including knowledge of Windows based software.
    • Detailed oriented and well organized.
    • Strong customer service skills.
    • High degree of accuracy.
    • Ability to review appraisals.
    • Knowledgeable in using various types of mortgage software applications.
    • Proficient ability to run Automated Underwriting Systems.
    • Familiar with all mortgage compliance laws (RESPA, HMDA, REGZ, etc).
    • Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.

     

    A STANDARD OF EXCELLENCE

     

    Our unique brand of banking extends from the Gulf Coast of Texas to the Rocky Mountains. We are an $8 billion dollar community-centric institution providing a wide range of relationship-driven commercial banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs. We also offer a full line of personal financial products and services to make banking easy for busy families and individuals.

     

     OUR CORE VALUES

     

    Principled financial decisions ~ Building strong, healthy communities ~ Leading with a courageous heart ~ Resilient Solutions ~ Thriving relationships

     

    The Bank provides capital and guidance to foster growth, bring new ideas to life, and energize local businesses. We accomplish these goals by funding projects such as medical facilities, warehouse space, and hospitality and education venues. By developing strong relationships and a deep understanding of your industry, our team offers a proactive approach to business banking.

     

    We continue to be named Best Bank within many of the communities we serve. Recently, Independent Bank was named a Community Bankers Cup winner for the fifth consecutive year; a Top 75 Producing Lender Nationwide; a Top 50 Performer by the Dallas Business Journal; and one of the Healthiest Employers in both North Texas and Central Texas.

     

    The Bank builds community on two fronts: by helping create economic development and by partnering within the community. It all begins by empowering our employees. We encourage our people to follow their passion and volunteer. And we back that up through formal giving programs.

      

    OUR MISSION

     

    To make an impact on the communities we serve through high-performance, purpose-driven banking.

     

     

     

    To be considered for this position, you must at least meet the basic qualifications.

     

    No phone calls or direct e-mails please.

     

    Pre-employment background screening will be conducted.

     

    Independent Bank is an EEO/AA - M/F/Disability/Protected Veteran Status.

     

    Note: The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 214-544-4777.

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