Come Grow with Us!! CorTrust Mortgage has an excellent opportunity for a Mortgage Loan Originator. We are looking for people who are challenged by a fast-paced environment and who enjoy helping people achieve the dream of home ownership. CorTrust Mortgage Inc. is a wholly-owned subsidiary of CorTrust Bank N.A., a Community Bank with 25 locations in South Dakota and Minnesota. Our Minnesota locations include Woodbury, Blaine, and Brooklyn Park. We are a privately held community bank that has been in business over 85 years. We lend in all 50 states and are an equal opportunity employer. CorTrust mortgage has a direct relationship with Fannie Mae and Freddie Mac. We service the vast majority of all conventional loans we originate. We also have access to a wide variety of mortgage products including but not limited to: FHA, VA, Conventional and RD. We also offer Minnesota and South Dakota Housing Finance Authority products. SUMMARY: Solicits and pre-qualifies loan applications according to approved policies, prepares credit application packages, and presents requests to underwriting for approval. Reviews loan documents in preparation for closing. Develops relationships throughout the community; solidifies the Bank and Mortgage Company as industry leaders. MAJOR DUTIES & RESPONSIBILITIES: • Represents the institution to the public, markets the institution’s loan products. • Screens requests from potential applicants and explains lending parameters. • Reviews loan applications from prospective borrowers based upon approved underwriting policies. • Follows-up with applicants and secures the necessary information to underwrite the loan, conduct site visits if needed. Provide assistance to help potential borrowers successfully qualify for financing. • Identifies loan program and terms to best fit each customer and situation. • Prepares loan application package with financial analysis and presents to underwriting. • Reviews loan requests for prequalification and prepares prequalification letters for customers. • Works with borrowers and title company to confirm that conditions of funding are met to close the loan. • Reviews loan documents, title, appraisal and survey prior to closing. • Coordinates timing of loan funding with borrower, the realtor and the title company. • Works with borrower to identify unfilled banking or insurance needs. • Works cooperatively and constructively with a wide variety of people, cross-functional teams, community- based organizations, title companies and referral partners. • Other duties, responsibilities and activities may change or be assigned at any time with or
without notice.
EQUAL OPPORTUNITY EMPLOYER OF PROTECTED VETERANS AND INDIVIDUALS WITH DISABILITIES Member FDIC | Equal Housing Lender | Bank ID 405612 | NMLS 458038
REQUIRED SKILLS: • Bachelor’s degree in business, finance, real estate, or related field. 2+ years’ experience in mortgage lending and/or a financial services environment. Mortgage banking background preferred with a proven track record of success. Ability to generate annual production of $10 to $12+ million. Strong analytic, time management and organizational skills with a high level of attention to detail. Effective written and verbal communication skills, with the ability to make presentations. Ability to educate borrowers on loan products and processes. Knowledge of federal and state laws pertaining to the mortgage-banking industry.
Qualified candidates, please contact: Todd Hopkins - President CorTrust Mortgage 2101 S. Minnesota Ave Sioux Falls, SD 57105 605-977-5908
[email protected]
EQUAL OPPORTUNITY EMPLOYER OF PROTECTED VETERANS AND INDIVIDUALS WITH DISABILITIES Member FDIC | Equal Housing Lender | Bank ID 405612 | NMLS 458038
