Mortgage Loan Officer

1st National Bank is a community bank that looks to help its Mortgage Bankers succeed. All underwriting is done in-house, ensuring you can grow your business with confidence and never miss a closing date.

About the role

As a Mortgage Loan Officer, you will produce mortgage loan originations through developing realtor referrals, branch referrals, personal established book of business, and referrals from 1st National Bank’s existing relationships.

Responsibilities

• Develop individual relationships with realtors and inform real estate offices of current products, programs, and interest rates.
• Work with Business Development Officers to make calls on business partners outside of the bank offices and establish contacts for promoting mortgage services.
• Participate in Realtor groups and other community-related activities.
• Inform clients of available mortgage loan programs and prepare them to bring required documentation to the application.
• Interview and pre-qualify clients for mortgage loans according to established guidelines for various programs.
• Enter complete, accurate applications on mortgage software, pull credit information, reconcile all liabilities with the customer, send accurate information to underwriting and processing, and obtain all required documentation.
• Comply with all applicable regulations and disclosures associated with mortgage applications.
• Maintain ongoing communication with clients and notify them of approval or denial of mortgage loan requests.
• Cross-sell other bank products.
• Assume additional duties as directed by the Executive Vice President of Mortgage Lending.

Requirements

• Minimum of 2 years of experience in mortgage loan origination with established partnerships (Realtors, Builders, etc.).
• Active NMLS license.
• Extensive experience with Conventional, JUMBO, Construction, FHA, VA, USDA, Portfolio, and Equity lines.
• Professional image and demeanor when representing 1st National Bank.
• Excellent interpersonal and communication skills with individuals at different levels.
• Computer literacy (Windows environment, MortgageBot, Encompass, etc.) and strong data entry skills.
• Familiarity with secondary market underwriting guidelines.
• Proven track record as a leader in the mortgage industry with a consistent and stellar sales history.
• Strong mathematical and computation ability.
• High school diploma (GED) or equivalent skills and abilities.
• Comprehensive knowledge of bank products and services.
• Accountability for completing accurate applications and complying with all applicable regulations.
• Compliance with underwriting guidelines for mortgage programs.
• Ability to meet mortgage production and sales goals established by leadership.

Qualifications

• 2 years of experience with Fair Housing Regulations (Required).
• 2 years of loan origination experience (Required).

Skills

• Adaptable/flexible — enjoys work that requires frequent shifts in direction.
• Autonomous/Independent — enjoys working with little direction.
• High stress tolerance — thrives in a high-pressure environment.

Pay

Salary: $50,000.00 to $200,000.00 per year. Additional incentives include President’s Club and Quarterly rewards.

Benefits

• 401(k) with matching.
• Dental insurance.
• Disability insurance.
• Employee assistance program.
• Employee discount.
• Flexible schedule.
• Health insurance.
• Life insurance.
• Paid time off.
• Professional development assistance.
• Referral program.
• Tuition reimbursement.
• Vision insurance.

Schedule

• 8-hour shift.
• Monday to Friday.
• On call.
• Weekends as needed.

Supplemental Pay

• Bonus pay.
• Commission pay.