Mortgage Loan Originator - Troy, United States - Independent Bank Corporation

Independent Bank Corporation Troy, United States

3 weeks ago

Description

Job Description

Job DescriptionBe Safe, Be Healthy, Be Independent

For over 150 years Independent Bank has provided exceptional services for our customers and communities. We provide big bank services, small bank attitudes, and the support of a trusted banking partner. As an Independent Bank Mortgage Loan Originator, you will be responsible for servicing the community, originating conventional residential mortgages and providing similar services, participating in the community to encourage new clients towards our business, and other miscellaneous duties.

Sales: 80%

Solicits residential first mortgages through contracts with Realtors, Builders, Developers, major Employers, and community activities.
Provides service to customers and prospective customers seeking residential mortgages. Such service includes but is not limited to:
Taking mortgage loan applications and interviewing applicants to determine whether the loan will be an acceptable risk, (debts and assets, etc., for qualification).
Obtaining necessary documentation from applicants to complete loan applications.
Load loan file into Encompass and obtain DU/LP findings.
Lock/float loan in marketing system according to loan type requirements.
Maintain database files of lock-ins and loans in process.
Attending Realtor and Builder functions.
Cross-selling other products to loan applicants, if applicable.
Conducting Realtor presentations-calling on Realtors and Builders.

Business Development: 20%

Calls on potential or existing customers. Participates in local community functions and organizations to obtain new or retain existing business.
Performs additional duties and responsibilities, as requested.
Excellent interpersonal, verbal, and written communication skills are required. Proven marketing ability. Travel is required.

Application Statement:

I certify that all information I have provided in order to apply for and secure work with the employer is true, complete and correct.

I understand that any information provided by me that is found to be false, incomplete or misrepresented in any respect, will be sufficient cause to (i) cancel further consideration of this application, or (ii) immediately discharge me from the employer's service, whenever it is discovered.

I expressly authorize, without reservation, the employer, its representatives, employees or agents to contact and obtain information from all references (personal and professional), employers, public agencies, licensing authorities and educational institutions and to otherwise verify the accuracy of all information provided by me in this application, resume or job interview.

I hereby waive any and all rights and claims I may have regarding the employer, its agents, employees or representatives, for seeking, gathering and using such information in the employment process and all other persons, corporations or organizations for furnishing such information about me.

I understand that the employer does not unlawfully discriminate in employment and no question on this application is used for the purpose of limiting or excusing any applicant from consideration for employment on a basis prohibited by applicable local, state or federal law.

I understand that this application remains current for only 30 days. At the conclusion of that time, if I have not heard from the employer and still wish to be considered for employment, it will be necessary to reapply and fill out a new application.

If I am hired, I understand that I am free to resign at any time, with or without cause and without prior notice, and the employer reserves the same right to terminate my employment at any time, with or without cause and without prior notice, except as may be required by law. This application does not constitute an agreement or contract for employment for any specified periods or definite duration.

I understand that no supervisor or representative of the employer is authorized to make any assurances to the contrary and that no implied oral or written agreements contrary to the foregoing express language are valid unless they are in writing and signed by the employer's president.

I also understand that if I am hired, I will be required to provide proof of identity and legal authority to work in the United States and that federal immigration laws require me to complete an I-9 Form in this regard.

Handicapped individuals who need accommodation to perform their job must notify the Employer in writing within 182 days after the date the individual knows reasonable accommodation is needed. Failure to provide this notification in a timely manner may preclude a claim of failure to accommodate.

I understand that prior to being offered employment with Independent Bank; I may be requested to take an employee examination. In the event that I have a disability that will affect my ability to take the test, I will so inform Independent Bank after the test is administered so that a reasonable accommodation can be made.

Independent Bank reserves the right to require medical documentation regarding the need for accommodation.

I understand that if I am offered employment with the Bank, I will be required by Independent Bank to submit to a drug test. Employment will be contingent upon passing this test. Refusal to consent to such a test will result in withdrawal of the employment offer.

E-Verify

This employer will provide the Social Security Administration (SSA) and, if necessary, the Department of Homeland Security (DHS), with information from each new employee's Form I-9 to confirm work authorization.

Important: If the Government cannot confirm that you are authorized to work, this employer is required to provide you written instructions and an opportunity to contact SSA and/or DHS after taking adverse action against you, including terminating your employment.

Employers may not use E-Verify to pre-screen job applicants or to re-verify current employees and may not limit or influence the choice of documents presented for use on the Form I-9. In order to determine whether Form I-9 is valid, this employer uses E-Verify's photo screening tool to match the photograph appearing on some permanent resident and employment authorization cards with the official U.S. Citizenship and Immigration Services (USCIS) photograph.

If you believe that your employer has violated its responsibilities under this program or has discriminated against you during the verification process based upon your national origin or citizenship status, please call the Office of Special Counsel at TDD:

Be Successful. Be YOU. Be Independent.

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