Mortgage Loan Officer

Essential Functions

• Establishes and develops relationships with real estate agents so that potential mortgage customers will be referred to WTB.
• Completes loan application with customer; acts as liaison between customer and HLD.
• Turns in a completed loan application within 48 hours of receipt.
• Represents WTB to real estate companies and potential mortgage customers.
• Pre-qualifies self-employed borrowers, prepares cash flow work sheets and analyzes financial records and tax returns.
• Maintains responsibility for the loan file from application through closing.
• Holds periodic review sessions with assigned processors.
• Balances time between the office and in the community to promote themselves and the Bank, and ensure timely customer communication.
• Maintains a regular calling schedule on offices and real estate agents, keeping them up to date on WTB loan programs.
• Establishes good working relationships with the HLD support staff.
• Cross sells WTB products and services to loan customers.
• Responsible for meeting negotiated production goals.
• Reports regularly to department manager or center manager, or as requested.

Requirements

• Collection of applicable fees from borrowers.
• Knowledge of real estate and mortgage banking industry.
• Knowledge of Truth-in-Lending and compliance with government regulations.
• Knowledge of conventional, FHA, VA, and construction loan policies and procedures.
• Required to have or obtain a Mortgage Loan Originator registration number through the Nationwide Mortgage Licensing System & Registry (NMLS).
• Able to work independently and perform problem solving and decision making under minimal supervision.
• Strong detail orientation with high level of organizational skills and ability to multi-task, managing interruptions with multiple projects.
• Able to prioritize assignments and handle multiple priorities while maintaining a high level of service to clients in a deadline driven environment under the direction of management.
• Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people, managing conflict and negotiating for results when needed.
• Strong verbal and written communication skills, including ability to communicate and collaborate effectively with technical and non-technical people.
• Proficient PC and technical skills to navigate Bank software, including the Microsoft Office Suite of products and related applications.
• Able to work additional hours as required by operational and production work loads.

Pay

Pay Range: $16.30 - $35.00 per hour in addition to monthly gross commissions. Target starting wage is $25.00 per hour as a non-recoverable draw against monthly commissions. You will become a participant in the MLO incentive plan immediately upon starting your employment with us.

Location

Bend Financial Center