Mortgage Loan Officer

Time

• Identifies, develops, and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities.
• Responds to customer inquiries and referrals that are generated from their own contacts as well as branch referrals.
• Counsels prospective borrowers on financial and credit data, determines customer financing objectives, advises customers on product/pricing policies and guidelines, and gathers any additional required information.
• Maintains exceptional customer service by keeping up-to-date knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies, and adhering to HMDA requirements.
• Develops and cultivates self-generated referral sources and partnerships with retail branches.
• Maintains current knowledge of trends and developments in local real estate market as well as regulations concerning residential mortgage lending.
• Manages mortgage pipeline, assists customers, inputs applications, and reviews financial and credit data.
• Prepares marketing plans and cross-sells other bank products and services.
• Provides service and oversees all actions during the loan origination process for managing the relationship with the customer ensuring that the mortgage loan closes based upon mutually acceptable terms.
• Solicits customers and originates mortgage loans, interviews applicants to obtain pertinent information regarding their loan needs; initiates the lending decision process.
• Studies and evaluates new activities, policies, programs, services and markets related to business development strategy.
• Works with team members in Mortgage Department and other departments to provide information for prompt processing and closing of residential mortgage loan applications.

Basic Qualifications

• Bachelor's degree with 6 years of experience in mortgage lending, credit and business development or an equivalent combination of education and experience.

Additional Qualifications

• Familiar with Conventional, FHA, USDA, VA Lending and also HUD guidelines.
• Advanced financial analysts, strong credit underwriting and analytical skills.
• Knowledge of conventional and/or government guidelines.
• Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending.
• Strong network with centers of influence including realtors and builders.
• Ability to handle confidential and proprietary information.
• Excellent communication skills, oral and written.
• Ability to travel within specified region.