HM Cons Direct Loan Officer

Description

As a part of our team, you're made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself! While in this position, you will be responsible for generating sales of home lending products including mortgage, home equity loans and lines of credit through leads and applications. These leads and applications are obtained through, but not limited to, the retail branch network, internal phone and web referrals and other internal direct to customer campaigns. You will engage in timely and responsive customer contact, while executing needs based selling techniques. It is important to note, that by adhering to all applicable quality and service guidelines, you will meet production and customer satisfaction targets. Furthermore, you will follow up and follow through with internal external customers and meet established department service level agreements. Most importantly, you'll feel valued for who you and supported to achieve what's important to you, personally and professionally.

Primary responsibilities include

• Determine the customer's financial objectives using needs based sales processes.
• Review the customer's lending needs, structure an appropriate loan commitment which meets their needs and conforms to credit policy, and provide the client with their customized loan solution.
• Coordinate with the customer or third parties for information and document gathering and scheduling issues.
• Follow customer loans through the loan life cycle; track and monitor leads, prepare projection reports, and maintain an active referral base.
• Effectively collaborate with loan processing, underwriting, compliance, and other internal lending departments as necessary to ensure all loan conditions are met in a timely and accurate manner.
• Maintain expertise in loan origination system(s) to ensure timely and accurate processing.
• Provide clear, concise, focused communication to the customer and internal partners throughout the process.

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday-Friday (1 Saturday per month)

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens), provides equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability, or history or record of a disability, ethnicity, gender, gender identity or expression, transgendered and transitioning individuals, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders.

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Benefits

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

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Awards We've Received

Dave Thomas Foundation's Best Adoption-Friendly Workplace

Disability Equality Index Best Places to Work for People with Disabilities

Fair360 Top Regional Company

FORTUNE's World's Most Admired Companies

Human Rights Campaign Corporate Equality Index 100 Award

Military Friendly Employer

Age-Friendly Institute's Certified Age-Friendly Employer

Bloomberg Gender Equality Index, Standout

Forbes America's Best Large Employers