Mortgage Loan Officer- Various Locations

Purpose:

This position is responsible for promoting the mortgage company to the community with emphasis on generating mortgage loans and services, and cross selling other bank products and services to establish new relations, and maintain and further current customer relations.

Accountabilities:

Essential responsibilities include:

• Developing and managing a sales and marketing program to originate new mortgage relationships and expand existing relationships.
• Promoting and cross selling bank products and services.
• Assessing customer’s financial needs and counseling and resolving inquiries accordingly.
• Accepting loan applications and assisting applicants in completing them.
• Reviewing documentation for accuracy, including but not limited to, income, asset credit, and commitment letters.
• Scheduling and participating in loan closings.
• Developing relationships with real estate agents and networking with professionals with emphasis on promoting the organization and generating new business.
• Monitoring and evaluating interest rate trends; determine bank mortgage rates.
• Staying abreast of investor programs, products, rates and services through internal and external education and training.

Additional responsibilities include:

• Staying abreast of bank policies and procedures by attending and successfully completing all mandatory corporate and departmental training. Inclusive of but not limited to Orientation, Annual Sensitivity Training and Compliance Training.
• Other duties as assigned.

Qualifications

Required Skills and/or Education:

Knowledge of mortgage and/or banking related practices and regulations consistent with that normally obtained through 3 years of education or training beyond high school or equivalent is required. Skills and abilities sufficient to perform the essential functions--such as, basic mathematical calculations, customer service and marketing skills--are required.

Preferred Skills and/or Experience:

Approximately three years of experience in mortgage lending or a related field is preferred. Advanced knowledge of mortgage loan regulations and/or knowledge of related practices consistent with that normally obtained through a baccalaureate degree in finance, accounting, or a similar field is also preferred.

Nature and Scope:

This position is a regular full time position on a schedule established by customer demand and the supervisor. Daily travel is required to meet the essential functions of the position. Being on call, altering the work schedule, and overtime is frequently worked in order to meet the seasonal demands and deadlines associated with the position. The work environment involves the use of typical office equipment such as telephone, computer, facsimile, etc. in a controlled climate.