Mortgage Loan Officer

Originate various types of mortgage loans. Generate bank fee income by originating secondary market loans and build or replace portfolio as directed by senior management.

Location

This position is hybrid, with a formalized schedule split between remote and office work. Consideration for location will be Henderson Rd., Columbus, OH.

Responsibilities

• Be the content expert on all programs and products offered by WesBanco, as well as the overall mortgage industry.
• Listen to the needs of customers and align them with the appropriate product and program to meet their mortgage needs.
• Pre-qualify purchase customers as requested.
• Complete loan applications, inputting complete and accurate information in the Origination System currently utilized by WesBanco Bank.
• Obtain all necessary documentation specific to the product, program, and specific needs of the client.
• Review customer-provided documentation to ensure it meets all industry standards; review customer credit and analyze overall information to document any unanswered questions.
• Disclose and provide the client with all required documentation within 3 days of application.
• Deliver a complete application electronically to the processing partner within 3 days of application, followed by the customer-provided documentation within 5 days of application.
• Review realistic expectations and timeline with the customer during the initial application process.
• Conduct weekly pipeline calls with your processor and/or team to ensure all information is shared, needs are identified, and responsibilities are assigned with deadlines.
• Promote WesBanco mortgage within the real estate community by attending realtor functions, community events, and educational opportunities within the industry.
• Work assigned branches to be known as their mortgage expert, conduct monthly quick-start meetings, and do a minimum of 4 "Mortgage Days" in the branch to promote services to branch customers.
• Communicate effective updates with customers throughout the mortgage process to ensure no surprises.
• Maintain and update CORE Sales stage information to ensure the referral source can see the progress of the referral.
• Promote and cross-sell all bank products and services.
• Adhere to the terms of your Service Level Agreement (SLA).
• Meet the minimum required milestones as assigned.
• Provide exceptional, professional service to mortgage customers, underwriters, processors, and closers.

Requirements

• Willingness to provide a level of service that clearly differentiates WesBanco from competitors.
• Professional demeanor in appearance, interpersonal relations, work ethic, and attitude.
• Clear, concise, effective written and oral communication skills to express thoughts, ideas, and concepts collaboratively and in a solutions-oriented manner.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to apply common-sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.
• Able to multi-task under sometimes stressful conditions.
• Ability to calculate figures such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.
• Banking is a highly regulated industry; proficiency in the bank’s policies and procedures, and adherence to all applicable laws, rules, and regulations is required.
• Complete all assigned compliance training in a timely manner.