Mortgage Loan Officer

Responsibilities

• Conduct interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines and gather any additional required information.
• Provide detailed follow-up with borrowers and meet with applicants as necessary during various stages of the loan process.
• Work closely with mortgage processors and branch staff to ensure customer satisfaction and trust in the Bank.
• Establish and maintain relationships with branch personnel, realtors, builders and developers as lending sources for their referrals.
• Conduct loan closings. Ensure all documents are appropriately signed and all underwriting conditions are met. When necessary, take all steps necessary to perfect the Bank’s lien position.
• Disburse funds on construction and home improvements loans in accordance with Bank guidelines.
• Manage and oversee individual loan portfolio and maintain asset quality.
• Develop and maintain existing customer base and build customer satisfaction and confidence in the Bank.

Qualifications

• Education/Experience: Bachelor’s degree in Accounting, Finance or Business Administration preferred or advanced training equivalent to two or more years in a financial institution or loan setting.
• Skills: Good understanding and knowledge of Company’s products and services, good cross-selling, management, and organizational skills, high level of interpersonal skills to interact with customers and potential customers in a professional manner, adequate knowledge of both internal policies and procedures and the respective state and federal laws and regulations governing departmental functions to ensure performance of individual job duties within the proper control environment.

Pay

$40,000 per year

Schedule

MLOs are expected to be accessible to clients and referral partners outside of standard business hours, including evenings and weekends, as necessary.