Consumer Real Estate Originator

Summary An Originator is responsible for originating consumer real estate products through internal and external referral sources.

The main focus will be on developing relationships with customers, realtors, builders, other lenders and offer the highest quality of customer service.

Essential Duties and Responsibilities · Managing customers through the entire loan process from data collection and analysis through loan conclusion; and maintaining positive client relationship.

· Responsible for generating new loan applications in the designated lending areas by working with lenders in that area and for achieving loan origination goals.

· Travel to designated areas to meet with customers and lenders as needed.

· Interview and conduct meetings with loan customers and complete the loan origination process.

· Establish relationships with realtors, builders and other business relationships that will result in new loan growth.

· Responsible to obtain all required loan documentation.

· Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan.

· Corresponds with or interview applicant or creditors to resolve questions regarding application information.

· Meeting with prospective customers and referral sources concerning all consumer real estate loan processing and documentation.

· Develops new external referrals sources to attract new consumer real estate business.

· Meet with managers/lenders on a quarterly basis at their office to discuss issues/goals, etc.

and continue to train/mentor in real estate lending.

· Meet with the Consumer Real Estate Manager on a quarterly basis to review status of targeted goals, discuss issues, strategic planning, etc.

· Obtain and refer additional consumer products to the branches each month.

· Work closely with Consumer Real Estate Underwriters, Consumer Real Estate Processors, Consumer Post Closing and STC Closers.

· Help build morale, work with other areas, and at all levels of the bank to ensure meeting bank strategic goals and values.

· Manage difficult or emotional customer situations; respond promptly to customer needs.

· Identify and resolve problems in a timely manner; gather and analyze information; develop alternative solutions; use reason even when dealing with emotional topics.

· Strive to continuously build knowledge and skills for yourself.

· Balance team (CREO group) and individual responsibilities; give and welcome feedback; contribute to building a positive team spirit.

· Must have strong verbal and written communication.

· Have a strong knowledge of PC skills, including various programs.

· Naturally identify opportunities for increased efficiency; desire to adapt quickly to emerging technologies and applications.

· Demonstrate excellent decision making after digesting and understanding complex issues.

· Attend the Manager's meetings when necessary.

· Work with Mortgage Originators as needed to discuss customer options.

· Spe...