Time Federal Savings Bank

Mortgage Loan Originator

Location

Phillips, WI

Type

Full Time

Position Summary:

The Mortgage Loan Originator is responsible for the origination of mortgage loans as well as conducting loan closings, ensure the accuracy of his/her files while following regulatory compliance standards. Is responsible for developing new business by building and maintaining relationships with real estate agents, builders/contractors, centers of influence, and other organizations in the community.    

Duties and Responsibilities

  • Must be knowledgeable of Time Federal’s residential lending process from origination to closing
  • Be knowledgeable of various loan types and programs available to borrowers
  • Understand banking regulations
  • Meet with applicants to obtain information for loan applications.
  • Work with loan origination software to input customer information.
  • Understand the loan process and paperwork involved
  • Understand and promote bank lending and deposit services
  • Meet individual sales goals as well as assist with bank and branch goals
  • Review and update loan files
  • Compute payment and amortization schedules
  • Be active in the community by joining clubs or assisting organizations
  • Participate in special projects or assignments as necessary.
  • Perform other duties as required to fulfill the responsibilities of the position.
  • Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies.
  • Comply with bank standards for attendance and hours of work.

Qualifications

Education/Experience:

Four-year degree or significant related business experience. This job requires skills needed in a typical office environment. This includes Microsoft Word and Excel skills, communications skills, as well as utilization of office equipment.

The Secure and Fair Enforcement (S.A.F.E.) Act statute require that individual mortgage loan originators be registered with the National Mortgage Licensing System and Registry.

Skills and Abilities:

  • Maintain high level of confidentiality and privacy.       Employees are required to observe the strictest confidentiality in regard to any customer or bank information they become privilege to during their employment and to maintain this confidentiality after their employment ceases.
  • Excellent problem-prevention and problem-solving skills; ability to define problems, collect data, establish facts, draw valid conclusions and implement solutions.
  • Excellent verbal and written communication skills. Must be able to communicate thoughts clearly, both orally and written.
  • Excellent organizational skills
  • Attention to detail, well organized, and ability to prioritize
  • Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
  • Proficient computer skills: programs including, but not limited to MS Office, Outlook, and Internet Explorer.

Working Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Travel:

Valid driver’s license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc. Ability to speak a foreign language helpful but not required.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and depth perception.

Must be willing to work in excess of 40 hours per week and on some weekends as required.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Company Website: www.timefederalsavings.com

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U.S. Equal Opportunity Employment Information (Completion is voluntary)

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

You are being given the opportunity to provide the following information in order to help us comply with federal and state Equal Employment Opportunity/Affirmative Action record keeping, reporting, and other legal requirements.

Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

Form CC-305
OMB Control Number 1250-0005
Expires 1/31/2020


Why are you being asked to complete this form?

Because we do business with the government, we must reach out to, hire, and provide equal opportunity to qualified people with disabilitiesi. To help us measure how well we are doing, we are asking you to tell us if you have a disability or if you ever had a disability. Completing this form is voluntary, but we hope that you will choose to fill it out. If you are applying for a job, any answer you give will be kept private and will not be used against you in any way.

If you already work for us, your answer will not be used against you in any way. Because a person may become disabled at any time, we are required to ask all of our employees to update their information every five years. You may voluntarily self-identify as having a disability on this form without fear of any punishment because you did not identify as having a disability earlier.


How do I know if I have a disability?

You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition.


Disabilities include, but are not limited to:

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  • Cancer
  • Diabetes
  • Epilepsy
  • Autism
  • Cerebral palsy
  • HIV/AIDS
  • Schizophrenia
  • Muscular dystrophy
  • Bipolar disorder
  • Major depression
  • Multiple sclerosis (MS)
  • Missing limbs or partially missing limbs
  • Post-traumatic stress disorder (PTSD)
  • Obsessive compulsive disorder
  • Impairments requiring the use of a wheelchair
  • Intellectual disability (previously called mental retardation)

Reasonable Accommodation Notice

Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment.

i Section 503 of the Rehabilitation Act of 1973, as amended. For more information about this form or the equal employment obligations of Federal contractors, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

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If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

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An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

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