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JUNIOR MORTGAGE BANKER, IN-DEPTH: Some People Don't Understand That I'm There To Help Them

About this video 

Oliver, a junior mortgage banker, describes the challenges of his job, what he likes most, his key decisions, how difficult getting into the industry is, and work-life balance. He tells us that it is difficult for him when people don't understand that he is there to help them because he sounds like a telemarketer.

Job Title: Junior Mortgage Banker

Job Summary: Loan Officers

Job Description

Loan officers evaluate, authorize, or recommend approval of loan applications for people and businesses. Most loan officers are employed by commercial banks, credit unions, mortgage companies, and related financial institutions.

On-the-Job Training

Moderate-term on-the-job training

Certification Requirement
Recommended by the American Bankers Association.

Quick Facts

Average salary
Average salary
National Statistic Change Location
Confirm
$30,000 - $115,000
Projected job growth
Projected Job Growth
10 to 20 percent
Typical schedule
Typical schedule
Full-time
Typical workplace
Typical workplace
Office, Indoor
Personal qualities
Personal Qualities
People skills, Problem solving skills, Detail oriented, Mathematical skills, Organizational skills

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P3.instances[0].transcript.parse_transcript_data({"transcript":"<p><span m='730'>Helping</span> <span m='1010'>people</span> <span m='1260'>out,</span> <span m='2310'>definitely</span> <span m='3910'>solving</span> <span m='4280'>people's</span> <span m='4560'>problems,</span> <span m='5420'>even</span> <span m='5620'>if</span> <span m='5710'>they</span> <span m='5820'>didn't</span> <span m='6000'>necessarily</span> <span m='6500'>know</span> <span m='6750'>they</span> <span m='6850'>had</span> <span m='7080'>one.</span> <span m='7400'>Because</span> <span m='7700'>it's</span> <span m='7870'>a</span> <span m='8440'>wide,</span> <span m='8700'>scary</span> <span m='8960'>world</span> <span m='9210'>out</span> <span m='9350'>there,</span> <span m='9520'>in</span> <span m='9590'>the</span> <span m='9670'>world</span> <span m='9870'>of</span> <span m='9950'>mortgages.</span> <span m='10960'>And--</span> <span m='12470'>just</span> <span m='12630'>helping</span> <span m='12770'>people</span> <span m='13180'>out.</span> </p><p><span m='14040'>I</span> <span m='14150'>guess</span> <span m='14380'>getting</span> <span m='14590'>the</span> <span m='14670'>people</span> <span m='14930'>that</span> <span m='15210'>don't</span> <span m='15460'>understand</span> <span m='16100'>that</span> <span m='16230'>I'm</span> <span m='16329'>there</span> <span m='16480'>to</span> <span m='16540'>help</span> <span m='16770'>them,</span> <span m='17810'>the</span> <span m='17910'>people</span> <span m='18180'>that</span> <span m='18850'>just</span> <span m='19040'>want</span> <span m='19170'>to</span> <span m='19220'>hang</span> <span m='19410'>up</span> <span m='19560'>on</span> <span m='19670'>me</span> <span m='19810'>immediately,</span> <span m='20400'>because</span> <span m='20620'>it</span> <span m='20740'>sounds</span> <span m='20950'>like</span> <span m='21070'>a</span> <span m='21140'>telemarketer</span> <span m='21780'>to</span> <span m='21860'>most</span> <span m='22100'>people.</span> <span m='24970'>That's</span> <span m='25080'>a</span> <span m='25100'>difficult</span> <span m='25560'>thing</span> <span m='25720'>to</span> <span m='25770'>deal</span> <span m='25980'>with.</span> </p><p><span m='26990'>A</span> <span m='27090'>key</span> <span m='27260'>decision</span> <span m='27640'>was</span> <span m='27860'>to</span> <span m='28020'>really</span> <span m='28700'>buckle</span> <span m='29000'>down</span> <span m='29450'>and</span> <span m='29740'>to</span> <span m='30010'>decide</span> <span m='30490'>to</span> <span m='30580'>do</span> <span m='30780'>something,</span> <span m='31880'>decide</span> <span m='32290'>to</span> <span m='32409'>put</span> <span m='32580'>myself</span> <span m='32990'>out</span> <span m='33190'>there</span> <span m='33460'>and</span> <span m='33670'>get</span> <span m='33900'>into</span> <span m='34230'>the</span> <span m='34360'>system,</span> <span m='34960'>if</span> <span m='35060'>you</span> <span m='35070'>will,</span> <span m='35520'>and</span> <span m='36490'>really</span> <span m='36690'>work</span> <span m='36970'>hard,</span> <span m='37800'>and</span> <span m='38900'>have</span> <span m='39000'>something</span> <span m='39270'>to</span> <span m='39310'>show</span> <span m='39490'>for</span> <span m='39800'>it.</span> </p><p><span m='40510'>I</span> <span m='40620'>would</span> <span m='40840'>say--</span> <span m='41996'>it</span> <span m='42400'>wasn't</span> <span m='42750'>for</span> <span m='42870'>me,</span> <span m='43230'>fortunately--</span> <span m='44430'>I</span> <span m='44530'>would</span> <span m='44690'>say</span> <span m='44820'>that</span> <span m='44950'>it</span> <span m='45410'>is</span> <span m='46270'>difficult,</span> <span m='46780'>because</span> <span m='48580'>it's</span> <span m='49200'>a</span> <span m='49270'>long</span> <span m='49510'>process</span> <span m='49970'>to</span> <span m='50060'>get</span> <span m='50190'>your</span> <span m='50320'>NMLS</span> <span m='50800'>and</span> <span m='50880'>stuff,</span> <span m='51090'>which</span> <span m='51240'>I</span> <span m='51350'>actually</span> <span m='51680'>currently</span> <span m='51990'>don't</span> <span m='52280'>have.</span> </p><p><span m='53055'>What is that?</span> </p><p><span m='53950'>NMLS,</span> <span m='54500'>I</span> <span m='54580'>believe</span> <span m='54860'>it's</span> <span m='55030'>the</span> <span m='55150'>national</span> <span m='55550'>mortgage</span> <span m='55940'>license--</span> <span m='57540'>something.</span> <span m='58730'>The S</span> <span m='59000'>stands</span> <span m='59610'>for</span> <span m='59710'>something.</span> <span m='60230'>And</span> <span m='61390'>it's</span> <span m='61710'>a</span> <span m='62420'>pretty</span> <span m='62660'>standardized</span> <span m='64530'>test</span> <span m='65430'>to</span> <span m='65560'>make</span> <span m='65790'>sure</span> <span m='65920'>that</span> <span m='66050'>know all</span> <span m='66440'>your</span> <span m='66580'>stuff</span> <span m='67290'>and</span> <span m='67500'>so that</span> <span m='67640'>you</span> <span m='67830'>can</span> <span m='67990'>practice</span> <span m='68670'>on</span> <span m='68780'>your</span> <span m='68940'>own.</span> </p><p><span m='69590'>My</span> <span m='69730'>work/life</span> <span m='70330'>balance</span> <span m='71000'>is</span> <span m='71730'>pretty</span> <span m='72270'>standard.</span> <span m='72810'>It's</span> <span m='72850'>a</span> <span m='72900'>standard</span> <span m='73290'>40-hour</span> <span m='73690'>workweek,</span> <span m='74100'>unless</span> <span m='74370'>I</span> <span m='74410'>need</span> <span m='74560'>to</span> <span m='74630'>stay</span> <span m='74910'>overtime.</span> <span m='76780'>Monday</span> <span m='77080'>through</span> <span m='77230'>Friday.</span> <span m='78786'>It</span> <span m='79220'>feels</span> <span m='79550'>good</span> <span m='80100'>to</span> <span m='80250'>balance</span> <span m='80960'>working</span> <span m='81800'>into</span> <span m='83030'>your</span> <span m='83230'>day,</span> <span m='83560'>to</span> <span m='84410'>have</span> <span m='84560'>a</span> <span m='84600'>sense</span> <span m='84820'>of</span> <span m='84930'>purpose.</span> <span m='85520'>And</span> <span m='85670'>so,</span> <span m='86550'>when</span> <span m='86650'>I'm</span> <span m='86750'>at</span> <span m='86890'>work,</span> <span m='88280'>it's</span> <span m='88470'>work</span> <span m='88720'>mode.</span> <span m='89400'>And</span> <span m='89540'>when</span> <span m='89690'>I</span> <span m='89830'>come</span> <span m='90040'>home,</span> <span m='90320'>it's</span> <span m='90760'>home</span> <span m='90940'>mode.</span> <span m='91240'>And</span> <span m='91360'>I</span> <span m='91560'>like</span> <span m='91830'>that</span> <span m='92040'>balance.</span> </p>","file":{"id":360265,"video_id":"3230017106001","name":"2083-Oliver-p-JrMorgageBanker2 In-depth","duration":93252,"thumbnail_url":null}});