Mortgage Loan Officer - North Carolina

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 assistance to loan applicants in completing applications and necessary disclosures.
• Completes loan applications and preliminary processing tasks in a timely manner – prepares for review initial disclosures including loan estimates.
• Enters data from new loan applications and other documents into the computer system.
• Orders credit reports and other items as needed.
• Answers incoming calls and schedules appointments.
• Follows up consistently with borrowers and agents to complete processing.
• Communicates complex approvals or denials to the borrower-agents, including real estate agents/builders.
• Responds to inquiries from borrowers regarding 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

• An HS Diploma or equivalent is required.
• Two to four years of related mortgage or similar sales experience or equivalent is required.
• A thorough understanding of real estate documentation, policies, compliance, and procedures is required.
• A high level of proficiency with mortgage loan processing and underwriting systems is required.
• A commitment to excellence and high standards is required.
• Excellent written and oral communication skills are required.
• Strong organizational, problem-solving, and analytical skills are required.
• The ability to manage priorities and workflow is required.
• Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm are required.
• An acute attention to detail is required.
• A PC proficiency is required.
• Excellent customer service skills are required.
• A proven ability to handle multiple projects and meet deadlines is required.
• Strong interpersonal skills are required.
• A good judgment with the ability to make timely and sound decisions is required.
• The ability to calculate figures and amounts such as discounts, interest, commissions, and percentages is required.
• The ability to effectively present information and respond to questions is required.
• The ability to effectively communicate with people at all levels and from various backgrounds is required.
• The physical demands of the job include regular attendance and punctuality, sitting, using hands and fingers, handling or feeling objects, using tools or controls, reaching with hands and arms, talking and/or hearing, lifting and/or moving up to 25 pounds, standing and walking, and adjusting focus.