Senior Mortgage Loan Originator

This is a fully remote position, open to applicants in Alabama.

📋 Description

• Initiate residential first-mortgage loans from application to closing.

• Achieve management benchmarks and targets for mortgage loan sales and One Bank partnership goals.

• Build sustainable referral networks with realtors, builders, and both professional and personal contacts.

• Keep up-to-date with mortgage policies, procedures, loan products, processing methods, underwriting, and departmental guidelines.

• Mentor and coach an assigned Mortgage Loan Advisor in practices and strategies for developing and maintaining referral sources.

• Guide the Mortgage Loan Advisor on mortgage origination, agency and portfolio standards, processing, underwriting, closing, and pricing procedures.

• Assist the Mortgage Loan Advisor in acquiring the necessary skills to facilitate loans from origination to closing.

• Adhere to established protocols for escalating exceptions.

• Complete applications by filling out the URLA on a laptop.

• Utilize technology and support tools for communication, daily rates, applicant credit reports, loan-file origination, and file uploads to operations.

• Gather applicant documentation and ensure loan packages are delivered within management-specified time frames.

• Oversee the pipeline for originated loans through to closing and prepare required management reports.

• Provide timely updates and status reports to branches and applicants.

• Maintain exceptional customer service while managing applicant and Fifth Third expectations.

• Participate in mandatory Mortgage and Consumer Lending sales meetings, calls, and training sessions.

• Collect application fees in accordance with policy.

• Engage with One Bank by making relevant referrals to other business lines.

⛳️ Requirements

• High school diploma or equivalent is required.

• 3–5 years of origination experience at Fifth Third or a comparable institution is preferred.

• Ranked in the top 25% for closed loan production or units in the previous calendar year is preferred.

• Proven history of outstanding performance, including top-tier scorecard results.

• Advanced proficiency and familiarity with Total Expert and other origination/lead-generation systems.

• Understanding of conventional and/or government lending guidelines.

• Familiarity with residential mortgage processing, underwriting, and closing procedures.

• Knowledge of federal lending regulations applicable to real estate lending.

• Strong organizational capabilities.

• Excellent written and verbal communication skills.

• Team-oriented with customer service skills and a passion for developing and training entry-level talent.

• Proven computer proficiency.

• Basic sales technique knowledge.

• Strong ambition to excel in a competitive setting.

• S.A.F.E. Act registration through the Nationwide Mortgage Licensing System (NMLS) is required at the time of employment.

🏝️ Benefits

• Incentive compensation that combines a base salary or draw to determine total cash compensation.

• Comprehensive benefits that promote physical, financial, emotional, and social well-being.

• Unique compensation offerings.

• Commitment to equal employment opportunities and fostering an inclusive culture.