Mortgage Loan Officer

At Rio Bank our vision, our people and our history make up the fabric of who we are. With deep roots in the Rio Grande Valley, our mission is simple - we help our community grow. We are proud of our team and are pleased to announce a job opportunity for an experienced Mortgage Loan Officer in Central Texas (San Antonio/Marble Falls.  The ideal candidate has strong relationship building skills and at least two years mortgage lending experience.

We invite you to explore this opportunity further or share it with someone you know!

SUMMARY/OBJECTIVE 

This position assists customers with their mortgage lending needs, analyzes loan requests and makes credit decisions based on mortgage lending policy. This position actively represents the bank in the local community and develops new business. 

 ESSENTIAL FUNCTIONS 

1. Review and evaluate mortgage loan documents to determine if buyer, property, and loan conditions meet bank and regulatory standards. Approve or reject loan applications, or request additional information from the customer. 
2. Establish terms and conditions of an approved loan and review with customer. 
3. Complete each loan application and pre-processing functions in a timely manner. 
4. Order appraisals, credit reports, background checks, reference checks and other information as needed on residential loan applicants. 
5. Market the bank’s mortgage lending program to companies and individuals within the real estate community. 
6. Evaluate acceptability of loan on secondary mortgage markets. 
7. Uphold the bank’s relationship banking culture through on-going customer contact, quality customer service and superior product knowledge. Cross-sells other bank services. 
8. Stay informed of current trends in mortgage lending and market factors affecting mortgage lending. 
9. Develop new customer prospects and business for the bank. Actively participate in local business and community activities and maintain relationships with local builders, real estate brokers, agents, customers and prospects. 
10. Perform other duties as assigned.

QUALIFICATIONS  

1. Bachelor's degree in finance, business or related field from an accredited college or university preferred.
2. Two (2) or more years mortgage lending experience required or combination of education and experience. 
3. Must possess valid NMLS ID. 
4. Proven sales ability, effective interpersonal skills, and a strong desire to succeed required. Bilingual (English/Spanish) preferred. 
5. Must be highly self-motivated with keen problem-solving skills.
6. Knowledge of financial ratios and accounting principles and the ability to analyze and evaluate complex financial information required. 
7. Must be willing to participate in community events on behalf of the bank. 
8. Must possess a valid Texas Driver License. 

Rio Bank is an equal opportunity employer and is committed to providing equal employment opportunity for all persons regardless of race, religion, color, sex, national origin, age, disability, or any other legally protected status. Reasonable accommodations for an individual’s disabilities will be made for qualified applicants who are able to successfully perform the essential functions of the job with or without reasonable accommodation.