This position is responsible for originating conventional and government residential mortgage loans, as well as other consumer loans and HELOCs to clients who qualify based on assessment on 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.  
• Originates residential mortgages and participates in related business development activities. Maintains quality and production goals set by leadership.  Works towards achievement of branch and individual sales and referral goals.
• Partners with branch staff to complete consumer lending loans, including HELOCs.
• Provides outstanding customer service to customers seeking residential mortgage and consumer 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 and in-depth knowledge of conventional and government programs.
• Works closely with loan coordination to ensure all documentation is obtained as the loan moves through the process to closing.
• Attends Consumer Branch meetings to educate staff on Mortgage and encourage referrals.
• 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:

• 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 set and meet priorities. Ability to work 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 skills with customers who are insincere 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.
• Minimum two years’ of mortgage, banking, and/or sales experience

Computer and Software Skills:

• Microsoft Office Suite
• Salesforce

Certificates, Licenses and Registrations:

• NMLS required

Additional Information:

Local travel is required.  Typical work hours are daytime hours Monday-Friday.  During time of heavy loan volume, overtime may be necessary.  For cross training, teamwork, or scheduling needs, a Consumer Loan Officer may be asked to work at any branch location.