Job Description

Mortgage Loan Originator

Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. Headquartered in Rochester, NY we have offices throughout New York and Florida, and are licensed in AL, CT, FL, MA, NE, NJ, NY, OH, PA, SC, TN, TX, and VT. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn't just a transaction to us. It's a partnership for life.

We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve.

This posting is an evergreen posting. While the posting is open for applications, we may not be actively filling this roll.

A Mortgage Loan Originator at Premium Mortgage is an outside sales Position that solicits potential borrowers and assists them in choosing the correct product as well as completing and processing the loan application.

The Mortgage Loan Originator will be responsible for completing the following job duties. This job description reflects management's assignment of essential functions; and nothing in this herein restricts management's right to assign or reassign duties and responsibilities to this job at any time.

• Assists the borrower in determining the proper loan program
• Assists the borrower in completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements, to begin the loan process
• Obtains and analyzes a credit report on the borrower
• Update job knowledge on types of loans and other financial services
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines
• Performs other clerical duties as assigned

The following qualifications are required of the Mortgage Loan Originator.

Education:

• Bachelor of Science Degree in Accounting, Finance or Business preferred

Experience:

• Previous experience in the mortgage industry with understanding of loan origination and processing

Skills:

• Customer service skills
• Time management skills
• Written communication skills
• Verbal communication skills
• Team player
• Multi-tasking
• Detail orientated
• Organizational skills
• Problem solving skills
• Independent Judgement

The following equipment is used daily by the Mortgage Loan Originator and provided by Premium Mortgage.

• Computer
• Phone
• Printer/copier/fax machine
• Excel and word programs
• Encompass software

The Mortgage Loan Originator is primarily in an office setting and may be exposed to outdoor conditions.

The working conditions are classified as sedentary work:

• Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time.

The following is a description of the physical requirements on a daily basis for the Mortgage Loan Originator. While performing the duties of the job the employee is regularly expected to:

• Stand
• Sit
• Hear
• Walk
• Talk
• Stoop or kneel
• Repetitive motion

This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

If offered a position, your total compensation package will be determined by experience, location, skills and/or education which may result in a total compensation package that falls outside the provided range.

Premium Mortgage Corporation provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

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