Loan Officer HLC

Main Job Tasks And Responsibilities

• Arranges new mortgage loan applications by developing relationships specifically in the real estate community and making sales calls to prospective customers.
• Provides applicants with information regarding the loan application process.
• Obtains complete loan applications including all supporting documentation needed to process the loan.
• Reviews information by examining application and documentation, reviewing credit worthiness, calculating repayment risk from information and documentation received from the borrowers.
• Pre-qualifies potential loan applicants by analyzing credit and financial background.
• Follows up on processing the loan by obtaining additional applicant information if necessary.
• Maintains communication with the borrower from time of application through closing.
• Establishes the rate with the borrower both verbally and in writing prior to settlement.
• Understands and supports the company's policies and procedures to provide proper and effective treatment to all the company's customers.
• Solves any customer questions and disputes in an expeditious and tactful manner.
• Reviews and reports complaints from customers and recommends corrective action to management.
• Protects the bank and the customer by keeping all mortgage loan information confidential.
• Performs other related duties as assigned.

Education And Experience

• A High School Diploma or equivalent is required.
• Prior mortgage sales experience is preferred.

Key Competencies

• Budgeting
• Oral Communication Skills
• Written Communication Skills
• Customer Relations
• Customer Service
• Good Math Skills
• Negotiations
• Professionalism
• Time Management

Requirements

• Registration with NMLS