Mortgage Loan Originator

*The home branch for this position may be subject to change to any Capitol Bank locationPosition Summary:Responsibilities include originating and qualifying loan applicants by interviewing and counseling existing and prospective mortgage clients. Proactively develops business relationships, making calls to existing and new referral partners plus prospective clients. Job Responsibilities:Represent Capitol Bank ethically and professionally at all timesGive back to the community through volunteeringProactively solicit new relationships and expand current at social and civic eventsTravel locally to meet partners and prospects where they prefer to do businessStay informed on market, industry, program and guideline changesCollaborate effectively with realtors, builders and other industry trade professionalsManage deadlines and reply to requests promptlyConsult with prospective borrowers and educate them on financing options Obtain thorough loan applications with proper supporting documentationInitially analyze financials to help determine credit worthinessIdentify need for additional bank products and services then refer appropriatelyWork cohesively with processing and underwriting to meet closing needsMaintain constant contact with clients until closing and beyond as neededFoster referral relationships with employees in other bank business linesMonitor past dues and assist with collections if requiredMeet established growth and sales goalsAdhere to bank policies and proceduresProvide valuable feedback on overall client experience to always improve Skillset & Experience:Excellent verbal and written communication skillsTeam playerAchievement orientedComfortable in a sales cultureAdaptable to variable workloadsFocused on finding solutionsHigh sense of urgencyInterested in making an impactPassionate about delivering unmatched serviceProficient in Microsoft Office and loan operating systemsKnowledgeable of secondary market guidelines and rate pricing modelsComprehends real estate documentation including title work3-5+ years of mortgage origination experienceGeneral banking knowledge helpfulCollege degree preferredValid driver license required Internal & External Contacts: Will have considerable contact with co-workers, external customers and prospects. Capitol Bank is committed to supporting our employees' health and wellbeing while ensuring that all team members are equipped to deliver exceptional service to our customers and community. Working Conditions:Must be able to sit for periods greater than 45 minutes at a time.Must be able to stand for periods greater than 30 minutes at a time. Must be able to lift a minimum of 25 pounds.Must be able to use computer monitors for periods greater than 45 minutes at a time.Must be able to perform basic typing functions.Approximately 5% travel is required. NOTE: This job description is not intended to be all-inclusive. Employees may perform other related duties as negotiated to meet the ongoing needs of the Bank.