Mortgage Loan Officer



Provides income to Bank by developing a pipeline of qualified mortgage customers. Insuring loans meet Bank and all investor standards. Closing and booking mortgage loans in a timely manner. Solid knowledge of Fannie Mae and Freddie Mac underwriting and standards. In addition, experience with VA and FHA lending practices.

Functions:

• Originate application and determine if meets investors guidelines.

• Process to DU underwriting guidelines, price and register applications with investors to insure loans qualify.

• Comply with all BSA and Compliance regulations.

• Close and post closing documentation follow-up to insure proper recordings and all conditions have been met for purchase by investors

• Close all loan applications with no errors in content and with 100% compliance with all codes and guidelines.

• Submit a complete and accurate loan package to processing department.

• Complete servicing reports for MPF and RMBT mortgage loans, i.e. annual eligibility report and other reports as needed.

• Cross selling on Bank’s products and services.

• Community development involvement.

• Review final HUD for closing.

• Attend loan closings.

• Analyze customer’s credit and financial scenario, determine appropriate loan product.

• Lock loans.

• Provide support in collection and preparation of loan application. If necessary, collect supporting documentation and signatures.

• Minimum gross sales as agreed

Qualification:

• Minimum of one (1) year experience in mortgage banking, preferable in a community bank environment. Desktop Underwriting, CALYX.

• High school diploma or equivalent required.

• Expert-level knowledge of mortgage business, including overall mortgage lending processes and internal controls, as well as federal, state and regulatory requirements/guidelines; valid documentation related to processing mortgage applications.

• Ability to manage multiple priorities; strong detail orientation and highly

organized.

• Works with a strong sense of urgency and responsiveness.

• Passionate about delivering excellence in customer service.

• Demonstrates patience and professionalism when interacting with both internal and external customers.

• Strong written and verbal communication skills.

• Problem solving skills; identifies and resolves problems in a timely manner.

• Proficiency with data entry, PDF software programs, Microsoft Word, and Excel.

Knowledge, Skills, Abilities:

• Advanced knowledge of banking principles.

• Advanced communication and customer service skills.

• Advanced troubleshooting and follow-up skills.

• Solid team player with strong relationship building skills

• In depth knowledge of the mortgage industry

• Mortgage product sales skills, ability to converse with realtors, investors and business leaders

• Generate and maintain mortgage pipeline

Drug screening required

Upon hire must be able to pass an drug/alcohol screening and credit screening 

Frequent travel to Florence location REQUIRED as needed

Contract-to-Direct

Pay: $14.00/hour. Position would go to straight commission upon hire.

Schedule: Monday-Friday (8:00 AM- 5:00 PM)