This position is responsible for originating conventional and government residential mortgage loans to clients who qualify based on assessment of financial and credit information.
 

• Manages and leverages in-house referrals to engage in refinance and purchase opportunities. Follows up on leads to consult with clients to determine their needs, identify best financing options and pre-qualify as required.  
• Establishes relationships with external partners to generate referral business.  Prospects new residential mortgage opportunities within the designated Community Reinvestment Act (CRA) communities. 
• Participates in related business development activities and community efforts to promote the Bank and generate new business.  Partners with the community development team to represent the bank in community-based meetings, initiatives, and events.
• Originates residential mortgages.   Maintains quality and production goals set by leadership. 
• Provides outstanding customer service to customers seeking residential mortgage loans.  Answers inbound calls, makes outbound calls, handles customer inquiries and answers customer questions.
• Interviews applicants to obtain information concerning their needs and pertinent financial and credit data.
• Educates and advises clients on the home buying process.  Ensures exceptional client experiences with ongoing communication throughout the entire loan process.
• Conducts basic analysis and income calculations for loan qualifications.  Processes borrower credit, income and asset information through the Loan Origination System. Structures loans for borrowers, while maintaining an in-depth knowledge of conventional and government programs.
• Works closely with processing to ensure all documentation is obtained as the loan moves through the process to closing.
• Utilizes internal marketing resources and social media tools to target prospects and foster ongoing relationships with closed customers.
• Performs all duties in accordance with the company’s policies and procedures, and all applicable U.S. Federal and State laws and regulations.
• Stays informed on trends and developments in the local real estate market, as well as changing rules and regulations pertaining to both conventional and government mortgages.

Qualifications:

• General understanding of the mortgage business, sales, and office environment is preferred, but not required
• Positive attitude and pleasant interpersonal skills       
• Attention to detail
• Strong communication skills, both verbal and written and including in-person and via telephone
• Ability to speak and understand English language to communicate with customers, co-workers or supervisors          
• Ability to set and meet priorities in a fast-paced environment
• Knowledge of financial statements and tax return forms
• Knowledge of documents needed for mortgage or various consumer type loans
• Professional appearance and demeanor for interaction with public
• Ability to maintain good conversational and coaching skills with customers who are insecure or difficult
• Knowledge of bank policies, procedures, regulations, forms, departments, and products

Supervisory Responsibilities:

• None

Education and/or Experience:

• High School diploma.  Bachelor's degree preferred.  Degree in financial, sales, marketing, or business fields preferred.
• At least three to five years of mortgage and/or sales experience

Computer and Software Skills:

• Microsoft office suite
• Salesforce

Certificates, Licenses and Registrations:

• NMLS required

Additional Information:

Some work hours are spent indoors in comfortable ambient environment.   Local travel is required.  During time of heavy loan volume, overtime may be necessary. For cross training, teamwork, or scheduling needs, a Mortgage Loan Officer may be asked to work at any branch location.