Mortgage Loan Officer - Cincinnati

General Job Summary

Sell mortgage loan products through sales efforts with individuals, builders, realtors, and other contact groups.

Organizational Duties And Responsibilities

• Supports the mission, vision and philosophy of the Bank.
• Complies willingly with all organizational policies and procedures.
• Supports all functions that maintain compliance with regulatory agencies.

Essential Duties And Responsibilities

• Contact individuals, realtors and builders, attend chamber and other civic meetings to expand network contacts to generate sales
• Engage in marketing and promotional activities, such as giving presentations to groups, in an effort to generate sales
• Consult with customer to compile loan application in order to meet compliance guidelines while negotiating terms and conditions
• Collect, compile and analyze information for acceptability for approval for investor’s loan product
• Communicate with clients and potential clients, answering questions and providing information, acting as the primary point of contact from sale to closing
• Follow up closely with processor to ensure loans are closed timely
• Maintain up-to-date knowledge of FHA, VA, and conventional loan rules, regulations and guidelines through a combination of educational classes, correspondence courses, on the job training and investor web sites
• Other duties as assigned

Working Conditions

• Outside sales
• Unregulated and unmonitored schedule
• Often called upon to work evening hours and weekends; therefore, hours can be adjusted at discretion to meet personal schedules

Minimum Job Requirements

• Education: High school/GED education, college degree preferred
• Experience: Outside sales experience with FHA, VA, and conventional lending
• Comprehensive Skills:
  • Excellent interpersonal communication skills, consisting of the ability to write and speak effectively to others
  • Be a productive team player, with the ability to learn, apply training and comprehend policies and procedures
  • Flexible to changing working situations and able to meet deadlines as they arise
• Specific Skills:
  • PC Literacy with 35 WPM typing skills
  • Knowledge of basic underwriting guidelines preferred
  • Professional appearance and demeanor
  • Able to perform in high pressure situations

Physical Requirements

• Primarily sedentary work performed in an office environment
• Frequent use of hands and fingers to operate a computer, keyboard, mouse, and other office equipment
• Frequent use of eyes to read computer screens, printed documents, and financial data
• Occasional standing, walking, bending, or reaching
• Ability to lift and carry up to 10–15 pounds occasionally (e.g., files, office supplies)

Benefits

• 401(K) with a company match of up to 6%
• ESOP employer match
• Medical insurance
• Dental insurance
• Vision insurance
• Cancer/Disease insurance
• Accident insurance
• Flexible Spending Accounts
• Flexible Savings Accounts
• Health Savings Accounts
• Bank paid Life/AD&D insurance
• Voluntary Life/AD&D insurance
• Bank paid Short-Term and Long-Term Disability insurance
• Employee Stock Purchase Plan
• Employee Assistance Program