Mortgage Loan Originator

Capitol Bancorp Limited is a uniquely structured affiliation of small community banks. Each bank, which typically has only one location, is focused on meeting the banking needs of entrepreneurs, professionals and other individuals seeking individually-tailored service. Each bank has full local decision-making authority in making loans and delivery of other banking services. Each bank is managed by an on-site president and management team under the direction of its local board of directors.Camelback Community Bank located in Phoenix, Arizona, is currently looking for a Mortgage Loan Originator responsible for originating a wide variety of residential mortgage, real estate, and construction loans in compliance with all applicable state and federal laws and regulations, as well as company policies and procedures. The qulaified candidate will actively seek qualified loan applicants, which may include referrals from inside and outside sources. This candidate will ensure quality service by timely processing, shipping to underwriting, ordering closing documents, and coordinating loan closing.ESSENTIAL FUNCTIONS AND JOB RESPONSIBILITIES
Originates mortgage loans through interviewing and consulting loan applicants. Obtains necessary information to complete loan documents, which may include, review of financial information, personal interview, etc. Submits loan applications and related documents for processing and/or underwriting.
Provides information to loan applicants regarding the terms under which credit will be extended, including the costs, repayment terms, interest rates and collateral.
Actively seeks qualified loan applicants through referrals, realtor meetings, home builders associations, and sales presentations.
Represents the Bank with business, trade associations and customers; promotes the Bank’s image as a good corporate citizen.
May perform related duties as assigned or as the situation dictates.OTHER DUTIES AND RESPONSIBILITIES
Assists mortgage loan-processing department with documenting loans to ensure complete loan files are sent to underwriting. May cross-sell other bank products.Camelback Community Bank is proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.
REQUIREMENTS
Skills/Equipment
Strong interpersonal skills with the ability to communicate effectively with existing and potential customers as well as throughout the Bank.
Experienced sales skills.
Ability to accurately handle detail oriented transactions.
Familiar with mortgage lending software such as Genesis and Caylx.
Strong knowledge of underwriting guidelines and income analysis.
Training/Preparation Required
Two to five years mortgage lending experience preferred.