Mortgage Loan Officer - Residential Lending

Summary

The position is hybrid, with the employee working both remotely and at the office on a formalized schedule. Location consideration is available in Nashville LPO - Franklin, TN, Chattanooga LPO - Chattanooga, TN, or Knoxville LPO - Knoxville, TN.

Essential Duties and 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 insure it meets all industry standards, review customer credit and analyze overall information to ensure that any unanswered questions are documented and provided.
• Disclose and provide the client with all required documentation within 3 days of application.
• Deliver a complete application electronically to my processing partner within 3 days of application, followed by the customer provided documentation within 5 days of application.
• Review realistic expectations and timeline with the customer during the initial application process.
• Conduct weekly pipeline calls with your processor and/or team to ensure all information is shared, and all needs are identified with "what is needed", "who is responsible to satisfy need" and "when will it be completed."
• Promote WesBanco mortgage within the real estate community by attending realtor functions, community events and educational opportunities within the industry.
• Work assigned branches to insure you are known as their mortgage expert, conduct monthly quick start meetings and do a minimum of 4 "Mortgage Days" in the branch to promote your services to the branch customers.
• Communicate effective updates with customers throughout the mortgage process to insure they have no surprises.
• Maintain and update CORE Sales stage information to ensure the referral source can see the progress of the referral.
• Promote and cross-sell all bank products and services.
• Adequately meet the minimum required milestones as assigned.
• Provide exceptional, professional service to mortgage customers, underwriters, processors and closers.

Other Requirements

• Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the bank’s policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing.
• You will also be expected to complete all assigned compliance training in a timely manner.
• Ability to read, analyze, and interpret general 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 groups of managers, clients, customers, and the general public.
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.
• Able to multi-task under sometimes stressful conditions.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.

Qualifications

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