Mortgage Loan Officer

About the role

First United Bank Mortgage is making a significant investment in the San Antonio market and is seeking experienced, relationship-driven Mortgage Loan Officers to help build our next phase of growth. This is an opportunity to join a growing team backed by a strong community bank platform, world-class operations, and a full suite of lending solutions including agency, construction, jumbo, and Non-QM products. We're looking for high-performing mortgage professionals who want to grow their business, expand their market presence, and play a meaningful role in shaping the future of First United Mortgage in San Antonio.

Responsibilities

• Uses interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing clients, past clients, and Real Estate Professionals.
• Cross sells First United Bank products and services.
• Works with bank personnel to promote First United in assigned markets.
• Takes thorough and complete loan applications; analyzes and pre-qualifies applicant information to determine viability of the client's desired loan program.
• Pulls credit, analyzes credit, and compares for accuracy with the mortgage borrower's statements and loan application.
• Determines the correct loan options for the borrower based upon the applicant's present situation, future plans, and preferred loan product.
• Submits the loan application, preliminary income verification documents, preliminary asset verification documents, loan disclosures, any required credit explanation letters and executed application forms to processing.
• Counsels the borrower through the application, approval and closing process – including review of the Closing Disclosure with the borrower prior to closing.
• Attends closings and ensures great customer service throughout the process.
• Meets minimum expectations for First United best practices and production standards.
• Attends assigned production meetings.
• Provides exceptional customer service, maintains high ethical standards, and insures compliance with every borrower.

Requirements

• High School diploma or GED required.
• MUST have at least two years' experience in mortgage lending environment.
• Proven record of success for generating sales in a mortgage lending environment.
• MUST be currently working as a Mortgage Loan Officer closing a minimum of 2 self-sourced loans per month.

Qualifications

• Possession of strong organizational skills.
• Excellent verbal and written communication skills.
• Exceptional interpersonal communication skills.
• Ability to work independently on assigned tasks as well as to accept direction on given assignments.
• Demonstrated technical knowledge of Bank, Mortgage, Federal and State lending and compliance/regulatory matters.