The Mortgage Loan Originator position will originate permanent FHA/VA and conventional residential mortgage loans and participates in related business development activities.
Solicits residential first mortgages through contacts with realtors, builders, and developers.
Provides service to customers and prospective customers seeking residential mortgage loans.
Interviews applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk.
Obtains and analyzes pertinent financial and credit data.
Ensures the preparation and processing of forms and legal documents required for residential loans.
Negotiates terms and conditions of loan with mortgagors.
Keeps informed on trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages.
Relies on judgment and extensive experience to plan and accomplish goals.
Possess a good working knowledge of all regulatory requirements pertaining to the job function, including, but not limited to, BSA/AML, the U.S. Patriot Act, and privacy laws.
Satisfactory and timely completion of all required regulatory training.
Bachelor’s degree with at least 2 years of mortgage lending experience.
Possess in-depth knowledge of mortgage lending, including the ability to evaluate cash flow and collateral.
Advanced financial analysis, strong credit underwriting, and analytical skills.
Ability to handle confidential and proprietary information.
Thorough understanding of loan laws and regulations.
Ability to succeed in a team environment as well as independently.
Excellent written and oral communication skills.
Excellent organization skills.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action
About CresCom Bank
CresCom Bank, a leader in community banking, is dedicated to providing exceptional customer service and quality products to the communities it calls home, and prides itself on its strong knowledge of local business and economic trends. Currently, CresCom Bank has 61 branch locations throughout the Carolinas and also owns Crescent Mortgage Company. In 2015, Carolina Financial Corporation (NASDAQ: CARO) ranked #1 on American Banker’s list of “Top 200 Community Banks and Thrifts as Ranked by Three-Year Average ROE.” It was also added to the Nasdaq Community Bank Index (ABAQ) by the American Banker’s Association. As of June 30, 2018, Carolina Financial had approximately $3.6 billion in total assets. Crescent Mortgage Company originates loans in 47 states partnering with community banks, credit unions and mortgage brokers.