Mortgage Officer

Essential Functions

• Proactively solicits new prospects for residential mortgage secondary market loans through contacts and referrals with Bank customers, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys and other related entities.
• Conducts interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives.
• Gathers any additional required information from prospective borrowers.
• Identifies, develops, and maintains a quality network of personal and business relationships that serve as a recurring source of referrals for new mortgage lending opportunities.
• Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.
• Demonstrates a commitment to professional ethics.
• Participates in job specific training and other various bank training programs as required.
• Complies with all Federal and State Laws and Regulations including BSA, AML and all bank policies and procedures.

Minimum Qualifications

• High school graduate or equivalent.
• Six years mortgage experience are required.
• Working knowledge of mortgage lending, laws/regulations procedures and be familiar with FNMA, FHLMC, FHA and VA regulations and guidelines as well as other loan programs offered.
• Incumbent must be able to work with little supervision.
• Effective oral communication and interpersonal skills are essential.
• Professional demeanor is also essential.