divh2Mortgage Originator/h2pOriginate mortgage applications within low-to-moderate income neighborhoods and to low-to-moderate income borrowers. Participate in Community Reinvestment Act (CRA) related activities and functions within MT community bank regions. Must adhere to the requirements of federal registration under the SAFE Act./ph3Primary Responsibilities:/h3ulliWorks independently to cultivate new mortgage business./liliMarkets, services and promotes the banks mortgage products./liliMay be required to travel to and work at prospective customers homes or business locations. Follows-up on potential customers via travel or telephone./liliMarket bank wide proprietary CRA products, e.g., Get Started, with Retail Bank Network as well as outside organizations such as real estate firms, housing agencies, etc./liliMarket agency related products (FHA, VA, etc.) to low-to-moderate income borrowers and in low-to-moderate income neighborhoods. Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as 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./liliIndependently assesses applicants credit worthiness./liliHas authority to issue pre-qualification statement of borrowers eligibility./liliDetermines which products best meet the customers needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs./liliMakes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. Negotiates terms and conditions of loans with mortgagors./liliHas authority to bind the bank in connection therewith. Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements./liliAdvises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance./liliInteract with various housing agencies and governmental entities focused on CRA initiatives./liliStay informed of industry regulations and governmental requirements as they relate to CRA housing needs. Meet with potential customers to ascertain financial needs as they may relate to CRA guidelines, first time homebuyer guidelines and mortgage opportunities that lie therein./liliRepresents the bank in the community and related functions to identify, develop and promote additional business./liliMay present seminars to general public and real estate agents to promote additional business and community outreach./li/ulh3Scope of Responsibilities:/h3pFacilitates the banks need to meet its CRA responsibilities with the federal regulators and the citizens of the community bank regions. Relationships will forge with local housing agencies and groups which specialize in CRA outreach programs./ppThe incumbent is required to travel extensively with limited supervision./ppThe position requires extensive external contacts (potential and existing customers, Realtors, etc.) primarily on sales calls outside the office, as well as internal contacts (other Bank personnel)./ppWill interact with individuals and teams internally and within the assigned community, developing new relationships and maintaining existing relationships./ppResponsible for establishing and maintaining federal registration requirements outlined in the SAFE Act./ph3Supervisory/Managerial Responsibilities:/h3pNone./ppEducation and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, a combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience./ppMT Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $24.76 - $41.27 Hourly (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location./ppLocation: Clanton, Alabama, United States of America/p/div