Mortgage Loan Officer

Duties & Responsibilities

• Monitor an existing commercial real estate loan portfolio to ensure proper risk ratings and early identification of potential problems.
• SOURCE, DEVELOP AND UNDERWRITE NEW CONSTRUCTION, INTERIM, AND PERMANENT MORTGAGE FINANCING REQUESTS FOR NEW & EXISTING CUSTOMERS.
• MAXIMIZE PROFITABILITY THROUGH APPROPRIATE PRICING OF NEW LOAN ORIGINATIONS, FEE INCOME, AND SELLING OF ALL BANK PRODUCTS & SERVICES.
• DAILY REVIEW, APPROVAL AND DISPOSITION OF COMMERCIAL OVERDRAFTS.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the company as required.
• SUPPORT THE COMPANY’S STRONG RELATIONSHIP THROUGH ON-ENDING CUSTOMER CONTACT, QUALITY CUSTOMER SERVICE, AND SUPERIOR PRODUCT KNOWLEDGE.

Requirements

• MINIMUM BACHELOR’S DEGREE IN FINANCE, BUSINESS, OR ECONOMICS. MBA PREFERRED.
• FORMAL CREDIT TRAINING.
• MINIMUM 3 YEARS OF COMMERCIAL REAL ESTATE LENDING EXPERIENCE.
• STRONG ORAL AND WRITTEN COMMUNICATION SKILLS.
• SOUND JUDGMENT.
• PC PROFICIENCY, ESPECIALLY IN MICROSOFT EXCEL.
• PROVEN TRACK RECORD IN WORKING WITH ALL LEVELS OF SENIOR MANAGEMENT

Qualifications

• Minimum Bachelor’s degree in Finance, Business, or Economics. MBA preferred.
• Formal credit training.
• Minimum 3 years of commercial real estate lending experience.
• Strong oral and written communication skills.
• Sound judgment.
• PC proficiency, especially in Microsoft Excel.
• Proven track record in working with all levels of senior management.