CRA Mortgage Loan Originator

Our partner is seeking a CRA Mortgage Loan Originator in Charlotte, NC. This position involves originating residential 1st mortgage loans, focusing on selling CRA products and services to low to moderate-income individuals, areas, and non-profit organizations. The Mortgage Loan Originator will be responsible for managing the entire loan process from application to closing while adhering to policies and procedures and ensuring a positive customer experience.

Responsibilities:

• Develop CRA prospects and referral contacts, including realtors, builders, professional, and personal contacts.
• Maintain knowledge of policies and procedures.
• Stay informed about available loan products, processing procedures, underwriting, and departmental guidelines.
• Coordinate and conduct homebuyer-training seminars for potential CRA applicants.
• Handle employee loans and participate in relevant functions to promote employee loans.
• Follow established protocol for escalating exceptions.
• Collect applicant information by completing Fannie Mae form 1003 on a laptop.
• Utilize the laptop for communication, accessing daily rates, applicant credit reports, Loan Prospector responses, and transmitting the loan.
• Gather necessary documentation from each applicant and deliver the loan package within set time frames.
• Manage the pipeline for all originated loans through closing and generate required management reports.
• Provide timely updates and progress reports to applicants and referral sources.
• Maintain high levels of customer service while managing applicant and support staff expectations.
• Attend and participate in all Consumer Lending meetings as required.
• Obtain SAFE Act registration through the Nationwide Mortgage Licensing System (NMLS) at the time of employment.

Requirements

• High school diploma or equivalent (mandatory); four-year college degree preferred.
• Knowledge of conventional and/or government lending guidelines.
• Familiarity with residential mortgage processing, underwriting, and closing procedures.
• Understanding of federal lending regulations governing real estate lending.
• Minimum of 2 years of mortgage lending experience.
• Established local book of referral sources.
• Sales of $1 million per month.
• S.A.F.E. Act registration required through NMLS at the time of employment.
  
• Basic sales technique skills.
• Demonstrated organizational skills.
• Strong written and verbal communication skills.
• Teamwork and customer service skills.
• Proficiency in computer skills.
• Strong desire to excel in a competitive environment.