Mortgage Loan Officer

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Description

Position Description:

The Mortgage Loan Officer is accountable for developing positive relationships between customers, realtors, and the bank to increase market share.

Essential Functions:

Develop new customer relationships through calling on potential customers and promoting real estate loans and bank services.

Interviews applicants, and examines, evaluates, and recommends approval of customer applications for conventional residential mortgage, FHA/VA and/or construction loans.

Solicits business from realtors, builders, and other real estate related professionals.

Works with Mortgage underwriter to resolve mortgage application problems.

Reviews closing documents for completeness and accuracy. Ensures closings are prepared on time.

Assure complete and accurate loan documentation files, by following banks' lending policy and procedure.

Protect the bank from financial loss on loans by timely review of customer loan performance and effective collection procedure.

Develop and maintain strong account relationships with customers ad loan originators.

Promote a good image of the bank in the community by being involved in civic and charitable activities.

Performs other related duties as assigned by the Mortgage Loan Manager or Mortgage Operations Manager.

COMPETENCIES:

Integrity and Trust

Ethics and Values

Requirements

DESIRED QUALIFICATIONS:

3-4 Years working in the real estate industry.

3-4 Years' experience analyzing credit and property applications.

Proficient in Word, Excel, Internet, and demonstrated ability to learn other computer programs.

PHYSICAL REQUIREMENTS:

Ability to work full time, 40 hours per week

Ability to work additional hours if there is a business need

Standing occasionally, 33%-65% per day

Sitting frequently, 66% or more per day

Speaking frequently, 66% or more per day

Listening frequently, 66% or more per day

Climbing rarely, less than 33% per day

Stooping, squatting, rarely, less than 33% per day

Lifting to 25lbs, occasionally, 33%-65% per day

Manual dexterity, and fine hand manipulation, frequently, 66% of more per day

Overhead work, rarely, less than 33% per day

If you need reasonable accommodation to do the essential job functions, please provide details on the accommodation you would like to request.

The above noted job description is not intended to describe, in detail, the multitude of tasks that may be assigned but rather to give the employee a general sense of the responsibilities and expectations of his/her position. As the nature of business demands change so, too, may the essential functions of this position.