Mortgage Loan Officer - Residential Lending

About the Role

This position is hybrid, with the employee split between remote and office work on a formalized schedule. Consideration for location will be Wexford, PA.

Originate various types of mortgage loans, generate bank fee income by originating secondary market loans, and build or replace portfolio as directed by senior management.

Responsibilities

• Be the content expert on all programs and products offered by WesBanco, as well as the overall mortgage industry.
• Listen to the needs of customers and align them with the appropriate product and program to meet their mortgage needs.
• Pre-qualify purchase customers as requested.
• Complete loan applications, inputting complete and accurate information in the Origination System currently utilized by WesBanco Bank.
• Obtain all necessary documentation specific to the product, program, and specific needs of the client.
• Review customer-provided documentation to ensure it meets all industry standards, review customer credit, and analyze overall information to address any unanswered questions.
• Disclose and provide the client with all required documentation within 3 days of application.
• Deliver a complete application electronically to the processing partner within 3 days of application, followed by customer-provided documentation within 5 days.
• Review realistic expectations and timelines with the customer during the initial application process.
• Conduct weekly pipeline calls with your processor and/or team to ensure all information is shared, needs are identified, and responsibilities are assigned.
• Promote WesBanco mortgage within the real estate community by attending realtor functions, community events, and educational opportunities.
• Work assigned branches to be known as their mortgage expert, conduct monthly quick-start meetings, and do a minimum of 4 "Mortgage Days" in the branch to promote services.
• Communicate effective updates with customers throughout the mortgage process to ensure no surprises.
• Maintain and update CORE Sales stage information to ensure the referral source can track progress.
• Promote and cross-sell all bank products and services.
• Adhere to the terms of your Service Level Agreement (SLA) and meet minimum required milestones.
• Provide exceptional, professional service to mortgage customers, underwriters, processors, and closers.
• Acquire and maintain proficiency in the bank’s policies and procedures, and adhere to all applicable laws, rules, and regulations.
• Complete all assigned compliance training in a timely manner.

Skills

• Customer service skills to differentiate WesBanco from competitors.
• Professional demeanor in appearance, interpersonal relations, work ethic, and attitude.
• Clear, concise, effective written and oral communication skills to express thoughts, ideas, and concepts collaboratively.
• Ability to read, analyze, and interpret business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from managers, clients, customers, and the public.
• Ability to apply common-sense understanding to carry out instructions in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.
• Ability to multi-task under sometimes stressful conditions.
• Ability to calculate figures such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.

Qualifications

Associate's degree (A.A.) or equivalent from a two-year college or technical school; or six months to one year of related experience and/or training; or equivalent combination of education and experience.