Mortgage Loan Officer

Responsibilities

• Proactively develop and maintain business relationships.
• Take mortgage loan applications and interview applicants.
• Collect necessary documentation and submit loan packets to the bank’s production office.
• Maintain client contacts to facilitate loan closings.
• Solicit realtors, builders, and other partners to establish business relationships.
• Solicit residential mortgage loan prospects.
• Support production by assisting with client relationship needs.
• Participate in staff meetings and marketing efforts.
• Stay informed of market conditions and competitive interest rates.
• Ensure compliance with all applicable laws and regulations.
• Complete required reports related to banking/consumer regulations.
• Be familiar with and comply with the Bank Secrecy Act and USA PATRIOT Act.
• Communicate effectively with internal and external stakeholders.
• Take appropriate actions to remain current with banking/consumer regulations.

Qualifications

• High school diploma or equivalent.
• Bachelor's degree in business-related field preferred.
• Five to seven years of progressively more responsible job-related experience in lending functions and regulatory requirements.
• NMLS registration.
• Thorough knowledge of the lending function and general accounting.
• Ability to perform minimal data entry and handle multiple tasks simultaneously.
• Experience in proactive business development and customer relationship management.
• Strong written and oral communication skills.
• Ability to stay updated with regulatory changes and industry trends.
• Knowledge of underwriting, coverages, and rating procedures.
• Dependability, initiative, and reliability.