Mortgage Loan Officer
About the role
At Johnson Financial Group, you'll experience a welcoming culture that inspires, challenges, and empowers associates to give their best in the communities where they work and live. Our Mortgage Loan Officers are passionate about assisting clients with their mortgage needs.
Responsibilities
- Self-starter that demonstrates an attention to detail and has an efficient file flow system.
- Use discretion to collect and analyze the necessary client information in order to determine the appropriate loan structure.
- Advise clients on loan application process. Help client complete the loan application and execute disclosures.
- Provide advice to clients on benefits and drawbacks of various loan products including private mortgage insurance, escrows, points, interest rates, and major market conditions.
- Analyze, calculate and prepare loan for underwriting (income, debt-to-income ratios, collateral).
- Make judgment about client’s ability to make payments on a mortgage.
- Develop and execute a detailed business plan to include specific marketing activities designed to meet established production goals. These activities include, but are not limited to, community involvement, industry participation, sales calls, and office presentations.
- Proficient in Loan Origination Systems such as Encompass, CRM Systems such as Surefire, Hootsuite, etc.
- Proficient using Microsoft systems such as Power Point, Excel, Word.
- Executes strong pipeline management following TRID and Reg B, Reg Z guidelines.
- Executes strong quality benchmarks with loans including minimal cure tolerances, adhering to rate lock timelines, etc.
- Strong communication skills as required for managing adverse conversations professionally while maintaining dignity and respect for all involved (turndowns, underwriting advocacy, etc).
Requirements
- High school diploma or equivalent required, college degree preferred.
- Requires National Mortgage Licensing System (NMLS) registration under the terms of the Safe Act of 2008.
- Minimum 3 years mortgage origination experience highly preferred.
- Excellent sales, presentation, and interpersonal skills.
- Involvement within the community and with other broker/real estate representatives.
Qualifications
Johnson Financial Group’s guiding values and principles are the reasons our associates truly enjoy working for a family-owned bank. Embedded in our culture is a genuine mission to ensure thriving futures for our associates, clients and the communities in which we live and work.
Skills
- Attention to detail.
- File flow system.
- Loan application process.
- Client information analysis.
- Loan structure determination.
- Discernment in advising clients.
- Private mortgage insurance, escrows, points, interest rates, and major market conditions.
- Income, debt-to-income ratios, collateral calculation.
- Client payment ability assessment.
- Business plan development.
- Multimedia proficiency (Power Point, Excel, Word).
- Pipeline management following regulatory guidelines.
- Quality benchmark execution.
- Adherence to professional communication standards.
Benefits
Johnson Financial Group offers a welcoming culture that inspires, challenges, and empowers associates to give their best in the communities where they work and live. Our Mortgage Loan Officers are passionate about assisting clients with their mortgage needs.
Pay
Details on pay are not specified in this job posting.
Schedule
Details on schedule are not specified in this job posting.
Benefits
Details on benefits are not specified in this job posting.
Application Instructions
Details on application instructions are not specified in this job posting.