First National Bank Alaska
Mortgage Loan Originator II/III - Anchorage
First National Bank Alaska, Juneau, Alaska, United States,
Mortgage Loan Originator II/III - Anchorage
Salary: $57,200/annual or $76,749/annual plus, commensurate with position and experienceStart a career with First National Bank Alaska, the
Best Place to Work in Alaska
as recognized nine years in a row by Alaska Business magazine readers.GENERAL PURPOSE SUMMARYMortgage Loan Originator II
- Originates mortgage loans by determining customers' needs, analyzing financial information, and determining the most appropriate loan program, and participates in related business development activities by performing the following essential duties and responsibilities.Mortgage Loan Originator III
- Originates mortgage loans, including those of the most complex variety, by determining customers' needs, analyzing financial information, and determining the most appropriate loan program, and participates in related business development activities by performing the following essential duties and responsibilities.ESSENTIAL DUTIES AND RESPONSIBILITIESReasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Sells mortgage loan products to existing and prospective customers by interviewing, evaluating needs, and making mortgage loan product recommendations; analyzes customers' financial information to determine if customer qualifies for a loan and determines best fitting investor and loan program.Develops additional business and referral base through outside sales, mailings to existing and potential customers, attending real estate industry functions, and participating in community outreach programs.May originate complex mortgage loans under direct guidance of the Unit Head, developing in-depth knowledge of the most complex mortgage products, to identify cross selling opportunities, and make referrals to other areas of the bank.Prepares required preliminary disclosures that comply with federal and industry regulations for supervisory review prior to dissemination.Performs other work-related duties as assigned by supervisor.QUALIFICATION REQUIREMENTSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.EDUCATION and/or EXPERIENCEMLO II - Minimum:
Five years relationship-building sales experience. Bachelor's degree in business administration, marketing, or related field may be substituted for two years of experience.Preferred:
One year real estate or mortgage experience; familiarity with FHA/VA, AHFC, FNMA, and other investor lending programs.MLO III - Minimum:
Two years sales experience in Real Estate or Mortgage. Bachelor's degree in business management, accounting, finance, marketing, or related field and two years’ mortgage originating, processing, real estate sales, lending, or related experience; or four years business or banking experience including two years mortgage originating, processing, real estate sales, lending, or related experience; or equivalent combination of education/training and experience. Familiarity with FHA/VA, AHFC, FNMA and other investor lending programs.Preferred:
Demonstrated working knowledge of FHA/VA, AHFC, FNMA and other investor lending programs.SKILLS and ABILITIESAbility to keyboard 35 wpm and operate a 10-key calculator required. Word processing and spreadsheet experience preferred.LANGUAGE SKILLSAbility to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, customers, and the general public. Ability to provide a thorough explanation of documents required for processing a mortgage loan.MATHEMATICAL SKILLSAbility to work with mathematical concepts such as probability and statistical inference. Ability to calculate figures and amounts such as charges, payoffs, discounts, interest, percentages and ratios.REASONING SKILLSAbility to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving variable in standardized situations.PHYSICAL DEMANDSThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision ability required by this job includes close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.WORKING CONDITIONSThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The noise level in the work environment is usually moderate.
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Salary: $57,200/annual or $76,749/annual plus, commensurate with position and experienceStart a career with First National Bank Alaska, the
Best Place to Work in Alaska
as recognized nine years in a row by Alaska Business magazine readers.GENERAL PURPOSE SUMMARYMortgage Loan Originator II
- Originates mortgage loans by determining customers' needs, analyzing financial information, and determining the most appropriate loan program, and participates in related business development activities by performing the following essential duties and responsibilities.Mortgage Loan Originator III
- Originates mortgage loans, including those of the most complex variety, by determining customers' needs, analyzing financial information, and determining the most appropriate loan program, and participates in related business development activities by performing the following essential duties and responsibilities.ESSENTIAL DUTIES AND RESPONSIBILITIESReasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Sells mortgage loan products to existing and prospective customers by interviewing, evaluating needs, and making mortgage loan product recommendations; analyzes customers' financial information to determine if customer qualifies for a loan and determines best fitting investor and loan program.Develops additional business and referral base through outside sales, mailings to existing and potential customers, attending real estate industry functions, and participating in community outreach programs.May originate complex mortgage loans under direct guidance of the Unit Head, developing in-depth knowledge of the most complex mortgage products, to identify cross selling opportunities, and make referrals to other areas of the bank.Prepares required preliminary disclosures that comply with federal and industry regulations for supervisory review prior to dissemination.Performs other work-related duties as assigned by supervisor.QUALIFICATION REQUIREMENTSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.EDUCATION and/or EXPERIENCEMLO II - Minimum:
Five years relationship-building sales experience. Bachelor's degree in business administration, marketing, or related field may be substituted for two years of experience.Preferred:
One year real estate or mortgage experience; familiarity with FHA/VA, AHFC, FNMA, and other investor lending programs.MLO III - Minimum:
Two years sales experience in Real Estate or Mortgage. Bachelor's degree in business management, accounting, finance, marketing, or related field and two years’ mortgage originating, processing, real estate sales, lending, or related experience; or four years business or banking experience including two years mortgage originating, processing, real estate sales, lending, or related experience; or equivalent combination of education/training and experience. Familiarity with FHA/VA, AHFC, FNMA and other investor lending programs.Preferred:
Demonstrated working knowledge of FHA/VA, AHFC, FNMA and other investor lending programs.SKILLS and ABILITIESAbility to keyboard 35 wpm and operate a 10-key calculator required. Word processing and spreadsheet experience preferred.LANGUAGE SKILLSAbility to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, customers, and the general public. Ability to provide a thorough explanation of documents required for processing a mortgage loan.MATHEMATICAL SKILLSAbility to work with mathematical concepts such as probability and statistical inference. Ability to calculate figures and amounts such as charges, payoffs, discounts, interest, percentages and ratios.REASONING SKILLSAbility to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving variable in standardized situations.PHYSICAL DEMANDSThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk and hear. The employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision ability required by this job includes close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.WORKING CONDITIONSThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The noise level in the work environment is usually moderate.
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