Mortgage Loan Officer - Dover, DE

Responsibilities

• Solicits first mortgage loans by going out to clients.
• Informs prospective loan clients of the institution's underwriting guidelines and applicable government regulations.
• Affords loan applicants assistance in completing applications and necessary disclosures.
• Completes loan applications and pre-processing functions promptly – prepares initial disclosures including Loan Estimate.
• Enters data from new loan applications and other documents into the computer system.
• Orders credit reports and other items as required.
• Answers incoming calls and schedules appointments.
• Follows up consistently with borrowers and agents to complete processing.
• Communicates complex approvals or denials to borrowers and agents, including real estate agents/builders.
• Responds to inquiries from borrowers about the status of loans in process.
• Completes necessary information such as log entries and business sourcing.
• Distributes Bank-approved marketing materials and general information.
• Participates actively in local business development activities as directed by the Bank.

Qualifications

• Maintain knowledge of and ensure compliance with the Bank Secrecy Act and all other regulatory, security, and bank policies.
• High school diploma or equivalent, with two to four years of related mortgage or similar sales experience or equivalent.
• Thorough understanding of real estate documentation, policies, compliance, and procedures.
• High proficiency with mortgage loan processing and underwriting systems.
• Commitment to excellence and high standards.
• Excellent written and oral communication skills.
• Strong organizational, problem-solving, and analytical skills.
• Ability to manage priorities and workflow.
• Versatility, flexibility, and enthusiasm for working within constantly changing priorities.
• Acute attention to detail.
• PC proficiency.
• Excellent customer service skills.
• Proven ability to handle multiple projects and meet deadlines.
• Strong interpersonal skills.
• Good judgment with the ability to make timely and sound decisions.
• Ability to calculate figures and amounts such as discounts, interest, commissions, and percentages.
• Effective presentation and response to questions.
• Ability to communicate effectively with people at all levels and from various backgrounds.