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Retail Mortgage Loan Originator

The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.Need Help?If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response).Regular or Temporary:RegularLanguage Fluency: English (Required)Work Shift:Please review the following job description:Responsible for the sales and marketing of Truist Mortgage Loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services, including the qualifying package of services, and insurance products.Essential Duties And ResponsibilitiesFollowing is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.• Execute effective mortgage marketing and development plans to meet or exceed agreed upon mortgageproduction goals.• Maintain a complete and thorough knowledge of the Mortgage Strategies, Policies and Procedures, as wellas secondary market investor's guidelines utilized by Truist.• Adhere to and comply fully with any and all Truist policies and procedures related to internal and externalrules and regulations, particularly those established by State and Federal law.• Provide mortgage clients sound mortgage advice based on a full understanding of client needs as well asTruist Mortgage products and their benefits.• Consistently execute on Truist's referral process by introducing mortgage clients to other banksolutions for deepening client opportunities.• Assist Mortgage Loan Fulfillment with client, attorney, or appraiser document follow-up as determinedthrough quality control or post-closing review.QualificationsRequired Qualifications:The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.• 1+ year(s) experience in banking and/or lending environment with basic knowledge ofresidential property types• Good organizational, written and verbal communication skills• Possesses solid interpersonal and negotiation skills• Demonstrated proficiency in relevant computer applications• Must be SAFE Mortgage Licensing Act compliant within 30 days of employment in this role including newor transfer of registration, and applicable NMLS acceptable background checkPreferred Qualifications:• Bachelor's degree in Business, Marketing, Accounting, or related studies or equivalent financial sales experience.• Two or more years of experience in residential mortgage lending with solid knowledge of the local market and regulations.• Previous sales awards and leadership positions.Other Job Requirements / Working ConditionsSitting/Standing/Walking/Bending/LiftingSitting Frequently (25% - 50% of the time)Standing Frequently (25% - 50% of the time)Walking Frequently (25% - 50% of the time)Lifting Up to 25 lbs.Visual / Audio / SpeakingAble to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.Manual Dexterity / KeyboardingAble to work standard office equipment, including PC keyboard and mouse, copy/fax machines, and printers.AvailabilityAble to work all hours scheduled, including overtime as directed by manager/supervisor and required by business need.TravelUp to 75%General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.Truist supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Truist is a Drug Free Workplace.EEO is the Law Pay Transparency Nondiscrimination Provision E-Verify

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What You Should Know About Retail Mortgage Loan Originator, Truist

Are you ready to elevate your career as a Retail Mortgage Loan Originator at Truist in Deerfield Beach, FL? This dynamic role offers an exciting opportunity to engage in the sales and marketing of mortgage products while adhering to state and federal regulations. Your day-to-day will revolve around crafting personalized mortgage solutions for clients, executing effective marketing strategies, and nurturing those vital referrals to other bank services. You’ll play a pivotal role in guiding clients through mortgage options, all while appreciating their individual needs. Truist values knowledge, so staying abreast of our policies and the evolving market landscape will be essential. Ideally, you have a background in banking or lending, strong organizational skills, and a knack for clear communication. Your ability to foster relationships and provide sound mortgage advice will be invaluable as you aim to meet or exceed production goals. Plus, the perks of this position include a comprehensive benefits package, and the potential for career growth within a supportive environment. If you’re passionate about helping clients achieve their homeownership dreams while advancing your career in a thriving company, then Truist could be the perfect place for you!

Frequently Asked Questions (FAQs) for Retail Mortgage Loan Originator Role at Truist
What are the key responsibilities of a Retail Mortgage Loan Originator at Truist?

As a Retail Mortgage Loan Originator at Truist, you will be responsible for the sales and marketing of mortgage loan products, executing marketing plans to meet production goals, and ensuring compliance with internal and external regulations. You'll provide tailored mortgage advice, support mortgage clients in understanding their options, and facilitate referrals to other banking services, enhancing the overall client experience.

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What qualifications are required to become a Retail Mortgage Loan Originator at Truist?

To succeed as a Retail Mortgage Loan Originator at Truist, you need at least 1 year of experience in banking or lending, strong organizational skills, and solid written and verbal communication abilities. Additionally, you must comply with the SAFE Mortgage Licensing Act within 30 days of starting. A bachelor’s degree in a related field and prior experience in residential mortgage lending are preferred, as they can enhance your candidacy.

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How does Truist support its Retail Mortgage Loan Originators?

Truist supports its Retail Mortgage Loan Originators with a generous benefits package that includes medical, dental, vision insurance, and a 401k plan. Teammates benefit from a minimum of 10 vacation days, sick days, and paid holidays per year. This supportive environment helps you prioritize work-life balance while benefiting from ongoing professional development opportunities.

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What skills are essential for success as a Retail Mortgage Loan Originator at Truist?

Success as a Retail Mortgage Loan Originator at Truist depends on excellent interpersonal and negotiation skills. Proficiency in mortgage products, strong organizational abilities, and a customer-centric approach are crucial. Additionally, being able to adapt and stay informed about the wide array of mortgage options will allow you to meet the diverse needs of your clients more effectively.

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What is the career growth potential for a Retail Mortgage Loan Originator at Truist?

Truist offers significant career growth potential for Retail Mortgage Loan Originators. With a culture that values professional development, you can advance your career through leadership roles or by expanding your expertise in specialized mortgage areas. Regular performance evaluations and support from management further facilitate your journey toward your career goals.

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Common Interview Questions for Retail Mortgage Loan Originator
Can you describe your experience in the mortgage lending industry?

When answering this question, highlight your relevant experiences in banking or lending, detailing specific roles and responsibilities. Discuss any relevant achievements, such as sales targets met or awards received. Be sure to mention your understanding of the mortgage process and how your experiences have prepared you for the role of a Retail Mortgage Loan Originator at Truist.

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How would you approach marketing Truist's mortgage products?

For this question, outline your understanding of effective marketing strategies and how you would tailor them to meet the needs of the local market in Deerfield Beach. Discuss specific channels you would use, whether digital marketing, community outreach, or networking with real estate professionals, and emphasize your focus on building relationships with clients.

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What methods do you use for customer follow-ups after an initial meeting?

Highlight your approach to follow-ups, which may include timely phone calls, personalized emails, or setting reminders for subsequent meetings. Discuss how these methods help build rapport and trust with clients, and ensure they feel valued and informed throughout the mortgage process.

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How do you stay compliant with mortgage regulations?

Explain your strategies for staying compliant, such as keeping yourself updated on state and federal mortgage regulations, attending relevant training sessions, and regularly reviewing company policies. Emphasize your commitment to maintaining high ethical standards and protecting clients' interests.

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Can you provide an example of a challenging client interaction and how you handled it?

Share a specific experience where you dealt with a challenging client. Emphasize the steps you took to understand their concerns and how you worked collaboratively to find solutions. Highlight your communication and negotiation skills and the positive outcome that resulted from your efforts.

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How would you educate clients on mortgage options based on their needs?

Describe your approach to understanding a client’s financial situation and goals first. Explain how you would consult with them and provide comprehensive information about various mortgage options. Emphasize your commitment to ensuring clients make informed decisions that best suit their needs.

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What do you consider the most important aspect of a successful mortgage application process?

Focus on transparency and communication as key components of a successful mortgage application process. Highlight the importance of setting clear expectations with clients, guiding them through the documentation needs, and keeping them updated on their application status throughout the process.

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How do you prioritize leads and manage your pipeline effectively?

Discuss your strategies for lead prioritization, such as assessing the urgency of each lead based on their stated needs and timelines. Mention tools and systems you use to track your pipeline efficiently, ensuring that you maintain a steady flow of communication with potential clients.

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What makes you a good fit for Truist's teamwork culture?

Articulate your belief in collaboration and how you thrive in team environments. Share experiences where you contributed to a team effort and how you believe your skill set aligns with Truist's values, emphasizing your commitment to fostering positive relationships with colleagues for collective success.

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Where do you see yourself in five years within the mortgage lending industry?

Outline your professional aspirations, emphasizing your desire for continuous growth and learning. Discuss potential progression paths within Truist, such as moving into leadership roles or specializing in certain areas of mortgage lending. Your answer should reflect ambition while aligning with Truist's commitment to employee development.

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For our clients: Provide distinctive, secure and successful client experiences through touch and technology. For our teammates: Create an inclusive and energizing environment that empowers teammates to learn, grow and have meaningful careers. Fo...

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December 5, 2024

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