Mortgage Loan Officer - Residential Lending

Summary

The employee is split between remote and office work on a formalized schedule. Consideration for location will be Beavercreek.

Essential Duties and Responsibilities

• Be the content expert on all the 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.
• Adhere to the terms of your Service Level Agreement (SLA)
• Must meet the minimum required milestones as assigned.
• Must provide exceptional, professional service to mortgage customers, underwriters, processors and closers.

Physical Demands

• Sit and use hands to finger, handle, or feel.
• Frequently reach with hands and arms.
• Talk or hear.
• Occasionally stand and walk.
• Lift and/or move up to 10 pounds.
• Occasionally lift and/or move up to 25 pounds.
• Close vision, distance, vision, peripheral vision and ability to adjust focus.

Qualifications

• 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.
• Knowledge of FNMA, FHLMC, FHA, and VA preferred and experience with related AUS a plus.
• Mortgage loan origination lending background is required.