Mortgage Loan Officer - Central Pennsylvania Market

Essential Functions

• Provides service to applicants and prospective customers seeking home loan, including interviewing, pre-qualification and pre-approval.
• Completes application and gathers supporting documentation.
• Reviews and completes regulatory disclosures with customer.
• Maintains existing and generates new sources of referral business.
• Quotes interest rates and secures pricing through the Secondary Marketing Department on behalf of the Customer.
• Inputs application data into Loan Origination Software (LOS).
• Utilizes automated underwriting systems (AUS) to obtain credit recommendations.
• Communicates with customers, both internal and external, regarding the status of the loan and relays information to all interested parties.
• Communicates with all parties in a professional and courteous manner.
• Manages his/her pipeline of loans to verify accuracy of the current loan status.
• Knows and abides by HomeSale Mortgage Policies and Procedures.
• Mentors other Loan Officers.
• Relays to Senior Management any industry changes or trends that may be of interest to them.
• Participates in HomeSale Mortgage association events.
• Must actively participate in all aspects of the Real Estate Office sales meetings and office functions.
• Prepares Mortgage Minutes for presentation at each sales meeting.
• Provides on-going training for the real estate agents (lunch and learns).
• Works closely with the Broker/Sales Manager.
• Attends Loan Officer Meetings.
• Represents the bank with active participation in approved community outreach functions for the purpose of enhancing our image and developing new business opportunities.
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).

Minimum Required Skills and Competencies

• Must have a valid NMLS #.
• Minimum 2-years' experience originating.
• Self-motivated professional with a proven ability to quickly establish and maintain strong referral partner relationships.
• Demonstrated commitment to delivering exceptional customer service.
• Proven sales record based on closed loan production.
• Currently possess sources of referral business for purchase transactions.
• High School Diploma or equivalent.
• Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines.

Desired Skills and Competencies

• Working knowledge of Microsoft Office products.
• Working knowledge of Encompass software.

This response is AI-generated, for reference only.