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PURPOSE OF THE JOB
Mortgage Loan Officers are responsible soliciting new business, evaluating, authorizing, and recommending the approval of real estate loans. Â Mortgage Loan Officers advice borrowers on financial and payment methods and must meet established loan quality and annual production goals.
This sale driven position requires individuals to continuously build and maintain a strong network of business relationships which will serve as a permanent source for referrals of new opportunities.
MAIN DUTIES OF THE JOB
- Handle customer inquiries concerning acquisition or refinance of real estate loans
- Originate application request for first mortgage loans, process loans through the required underwriting system for the loan type, and prepares package for processing
- Provide consultation to clients regarding all other bank products and services
- Make referrals to appropriate staff (retail banker, financial advisor, commercial relationship manager, cash management officer, etc.) related to client needs
- Make suggestions to residential real estate lending manager regarding mortgage lending policy and procedure enhancements
- Attend loan closings to include representing the Bank in disbursing the transaction and keeping informed of all matters pertaining to the closing of a real estate loan
- Represent and assist Home Bank at community, civic trade functions or other special events throughout the yearÂ
- Develop and maintain successful relationships with realtors, builders and other business referral sources that will generate mortgage production loans
- Review and update credit and loan files
- Meet mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implementing production, productivity, quality, and customer-service standards; resolving problems; identifying mortgage loan system improvements.
- Adhere to all federal, state, and company regulations relating to mortgage lending
- Must market, promote and recommend loan products and services utilizing various sales techniques.
- Required to meet annually established closing volume goals
WHAT WILL YOU NEED TO SUCCEED
- Bachelor’s degree in business, finance or related field or equivalent work experience preferred
- NMLS registration is required
- Minimum two years of experience in secondary market lending
- Must have a working knowledge of conventional and government lending
- Must have an established professional relationship with the real estate communityÂ
- Must have a proven history of mortgage loan origination
- Exceptional customer service, written and verbal communication skills
- Must have basic computer skills and knowledge including experience with Microsoft Office
- A comprehensive mathematical aptitude to calculate various data including but not limited to percentages, volume, interest, discounts, commissions, proportions.
- Must have proven experience in outside sales
HOME BANK IS AN EQUAL OPPORTUNITY EMPLOYER
GOOD CREDIT IS A MUST
CREDIT REPORT IS REQUIRED FOR EMPLOYMENT
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