Mortgage Loan Officer

Job Overview

Uses industry knowledge to assist prospects and existing customers with qualifying and converting application opportunities to closed residential mortgage loans. Interviews potential clients, assists them in selecting the appropriate loan product, assembles the information and documents required to ensure the process is smooth and the customer is satisfied. Engages in business development activities and sales calls outside the employer’s offices. Participates in the Bank’s STEP program by achieving an acceptable number of cross sales of other banking services.

Develops long-term relationships with clients and referral partners, creating a database that will allow for continuous marketing “touch points” over time. Provides excellent mortgage planning and financial counsel and ensures that reports and client documentation are accurate and done in a timely manner. Remains abreast of all regulatory, ethical and employer requirements and abides by them in all aspects of the work performed.

Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

• Minimum of 2 years of mortgage lending experience required.
• Exposure to conventional and governmental lending requirements and servicing released investor requirements.
• Excellent knowledge of conventional and government mortgage underwriting requirements, real estate settlement practices and of the real estate lending business in general.
• Holds applicable licenses as required. This position requires registration with the National Mortgage Licensing System and Registry (NMLS), as created under the S.A.F.E. Act. The registration process can be found at the NMLS Resource Center located at (Use the "Apply for this Job" box below)..org
• Good command of the mathematics and reasoning skills involved in residential lending.
• High level of communication skills, both oral and written.
• Excellent interpersonal skills, a committed listener, shows empathy and deals well with all personality types. Builds rapport and confidence quickly.
• Computer skills; intermediate MS Word, intermediate MS Excel, intermediate MS Outlook, intermediate knowledge of Internet and database or CRM software.
• Ability to work under pressure of multiple projects and deadlines; ability to effectively prioritize workload and manage changes in direction.
• Able to operate with minimal supervision, high achiever and strong work ethic.
• Ability to work in a team environment.
• Ability to drive a vehicle. Must maintain a current, valid driver’s license and an acceptable driving record for bank insurance purposes.