Job Description

Ready to join a team where integrity meets opportunity? We’re currently seeking an experienced Mortgage Loan Originator to join our team!

At AgGeorgia Farm Credit, we strive to build an inclusive team of employees and leverage our unique strengths. Become a part of our team today and grow with us! AgGeorgia Farm Credit prides itself to be a caring, family-oriented culture that promotes a positive work environment. We have a strong loan referral program to help support the growth of your portfolio.If you are a highly motivated individual looking to serve the community you work in, check us out! We are looking for a Mortgage Loan Originator to work in Valdosta and surrounding areas.

The primary function of the Mortgage Loan Originator (MLO) is to serve current and prospective customers with sound residential mortgage credit according to Association policies and procedures. Build business development strategies, develop customer relationships and provide loan servicing. The MLO operates within delegated lending authority.

What you will do in this role:

• Make calls on prospects using a weekly sales plan to include a specific goal for numbers of prospects contacted and closings.
• Develop customer relationships by proactively researching customer needs, use discretion and independent judgment in understanding customer needs, and matching products and services to those needs.
• Pursue cross-sell opportunities with existing members.
• Work closely with other members of the team, including the Loan Processor
• Represent AgGeorgia at Trade Shows, local events, realtor meetings, civic organizations, etc.
• Interview applicants, gather and reconcile complete, accurate credit and financial data. Establish and negotiate credit terms, when necessary
• Promptly address inquiries from existing customers and prospects and ensure all Association contacts are treating customers’ requests with a sense of urgency.
• Assure sound loans; appropriate documentation and underwriting; appropriate pricing and fees based on risk, terms, and servicing costs; and implementation of business plans in accordance with overall AgGeorgia objectives.
• Communicate effectively on loans requiring underwriting through the third-party investors, relaying pertinent information, and providing proper documentation to support an accurate recommendation.
• Ensure loans are approved per delegated authorities.
• Ensure compliance with all required disclosures.
• Monitor specific, individually assigned loans and assures that the loans receive timely and sound servicing.
• Call on loan customers to evaluate management, inspect collateral and detect signs of potential financial problems as needed
• Other duties and responsibilities as assigned, which may include specific projects.

What you will need in this role:

• Education and/or experience equivalent to a Bachelor’s degree
• 5+ years residential mortgage related work experience
• Have a working knowledge of traditional underwriting practices
• Ability to communicate (written and verbal) effectively with all levels of the organization
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Association
• Travel via auto to carry out essential responsibilities of the job.
• Ability to work independently and as a team member under moderate supervision
• Knowledge of Farm Credit Association policies and procedures preferred

We are an equal opportunity employer and comply with all Title VII requirements.