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GENERAL FUNCTION:
Performs a wide range of duties related to the origination of residential 1st mortgage loans for outside referrals. Meets standards and objectives defined by management for mortgage loan sales. Assumes overall responsibility for the residential mortgage loan from application to closing.
Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Ensures actions and behaviors drive a positive customer experience and always do the right thing for customers and colleagues. Achieves results by identifying, assessing, managing, monitoring, and reporting risks of all types within the Bank's risk appetite.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Works with sales leadership and assigned Senior Loan Originator to develop internal and external referral contacts (realtors, builders, COIs, and personal contacts).
- Learns and masters all aspects of the mortgage loan originator position, including agency and portfolio guidelines, processing, underwriting, closing, and pricing procedures.
- Maintains knowledge of Fifth Third Mortgage Company's policies, available loan products, processing procedures, and departmental guidelines. Completes all required training on time.
- Follows defined protocol for escalation of underwriting and pricing exceptions.
- Completes loan applications using URLA on a laptop.
- Utilizes technology for communication, access to daily rates, credit reports, and uploading of files.
- Collects necessary documentation from applicants and delivers loan packages within set time frames.
- Manages the pipeline for all originated loans through to closing.
- Communicates timely and appropriately with branches and applicants, providing updates and status reports.
- Maintains high levels of customer service while managing expectations.
- Participates in all mortgage and consumer lending sales meetings, calls, and training as required.
- Collects application fees per policy.
- Participates in making appropriate referrals to other lines of business within One Bank.
MINIMUM KNOWLEDGE AND SKILLS REQUIRED:
- High school diploma or equivalent; college degree preferred.
- Demonstrated organizational skills.
- Strong written and verbal communication skills.
- Teamwork and customer service skills.
- Ability to maintain optimism and focus on goals under adversity.
- Proven computer skills.
- Basic sales techniques.
- Strong desire to excel in a competitive environment.
- Requires S.A.F.E. Act registration at employment through NMLS.
Location: Nashville, Tennessee 37219
Fifth Third Bank is committed to an inclusive culture and equal employment opportunity for all, regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military or veteran status, or any other legally protected status.
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