Job Details

Mortgage Originator

Application Deadline: 2 October 2026

Department: 1303-Mortgage Loans

Employment Type: Full Time

Location: Prescott, Arizona

Compensation: 100% Commission

Description

GENERAL SUMMARY:

Originates loans for the purpose of resale on the secondary market. Originating loans outside of place of business over 50% of the time. These duties include: determining the appropriate loan program, interest rate selection, collecting and analyzing financial data from borrowers to determine creditworthiness.

RESPONSIBILITIES AND DUTIES:

1. Responsible for creating new customer relationships; developing realtor and contractor referral network. Customarily and regularly is engaged away from the employer's place of business.
2. Responsible for quick response to any walk in or phone requests.
3. Responsible for reviewing loan applications to ensure proper documentation.
4. Review daily status of loans in process, updates applications as necessary, copy loan documents and update status report.
5. Responsible for making an effort to cross-sell bank products and in-house loans.
6. Responsible for accurate and timely preparation and delivery to the borrower(s) of the early disclosures for all approved loan applications.
7. Responsible for pricing of loans at appropriate rate.
8. Responsible for reviewing any loan declinations with the underwriter. Follow up with the customer to offer other products.
9. Regular and reliable attendance.
10. Assists with other job-related duties as assigned by manager.

KNOWLEDGE, SKILLS, AND ABILITIES:

• Knowledge of FNMA, FHA, VA and NIFA guidelines.
• Knowledge of underwriting process.
• Knowledge of the secondary market, agency loan products and guidelines.
• Knowledge of bank policies and procedures.
• Ability to communicate with customers and co-workers in a courteous and professional manner.
• Ability to type with high degree of speed and accuracy.
• Ability to multi-task, and function as a team player.
• Ability to sell mortgage and bank products.
• Ability to work with accuracy, organization, and attention to detail.

EDUCATION AND EXPERIENCE:

• High School diploma or equivalent.
• Two years of previous mortgage loan originating experience required.

PHYSICAL REQUIREMENTS:

Seeing: 75-100%

Must be able to read documents, use computer

Hearing: 75-100%

Must be able to communicate with customers and co-workers in person and on the telephone.

Standing/Walking: 25-49%

Must be able to visit with the Loan Officer, go to areas of the office to use copier & fax machines, etc.

Climbing/Stooping/Kneeling: 25-49%

Must be able to kneel or stoop to file mortgage loan files in cabinets.

Fingering/Grasping/Feeling: 75-100%

Must be able to use computer, write and place paperwork in file folders.

PHYSICAL DIMENSIONS:

Light Work: Exerting up to 20 pounds of force occasionally, and/or a negotiable amount of force frequently or constantly to lift, carry, push, pull, or otherwise move objects. Job involves sitting most of the time and if walking and standing is required, only occasionally.

NOTE: The statements herein are intended to describe the general nature and level, or work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills, required of personnel so classified.

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