Mortgage Loan Officer I

Responsibilities

• Produce a high volume of good quality consumer and real estate loans.
• Order credit reports, analyze data, approve or deny credit requests, and collect delinquent loans.
• Conduct interviews with prospective borrowers to analyze financial and credit data, determine customer financing objectives, advise customers on product/pricing policies, and gather additional required information.
• Provide detailed follow-up with borrowers and meet with applicants as necessary during various stages of the loan process.
• Work closely with mortgage processors and branch staff to ensure customer satisfaction and trust in the Bank.
• Establish and maintain relationships with branch personnel, realtors, builders, and developers as lending sources for their referrals.
• Conduct loan closings, ensuring all documents are appropriately signed and all underwriting conditions are met. Take necessary steps to perfect the Bank’s lien position.
• Disburse funds on construction and home improvement loans in accordance with Bank guidelines.
• Manage and oversee individual loan portfolios and maintain asset quality.
• Develop and maintain existing customer base and build customer satisfaction and confidence in the Bank.
• Register as a Mortgage Loan Originator in compliance with the SAFE Act and complete required training associated with job function.
• Be accessible to clients and referral partners outside of standard business hours, including evenings and weekends, as necessary.

Qualifications

• Bachelor’s degree in Accounting, Finance, or Business Administration preferred or advanced training equivalent to two or more years in a financial institution or loan setting.
• Good understanding and knowledge of Company’s products and services.
• Good cross-selling, management, and organizational skills.
• Adequate knowledge of internal policies and procedures and relevant state and federal laws and regulations to perform job duties within the proper control environment.

Benefits

• Competitive health, dental, and vision coverage with Health Savings Account (HSA) match.
• 401(k) with employer match plus Employee Stock Purchase Plan.
• Generous paid time off, paid holidays, and parental leave.
• Tuition reimbursement and performance-based bonuses.

Pay

Exact compensation is determined by factors such as education, skills, internal equity, and experience. Additional compensation includes discretionary short-term incentives (bonus, incentives, and/or commission).

Schedule

Must be available to work outside of standard business hours, including evenings and weekends, as necessary.

Skills

• Good understanding and knowledge of Company’s products and services.
• Good cross-selling, management, and organizational skills.
• Adequate knowledge of internal policies and procedures and relevant state and federal laws and regulations to perform job duties within the proper control environment.