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Mortgage Loan Officer

BAY BANK - 2.9

Green Bay, WI Job Details Full-time From $65,000 a year 1 hour ago Benefits Health insurance Dental insurance 401(k) Flexible spending account Paid time off Vision insurance 401(k) matching Life insurance Qualifications Customer communication Confidential information handling Professional ethics Conventional mortgage loans Business development within finance Full Job Description

MORTGAGE LOAN OFFICER DEPARTMENT

Lending

REPORTS TO

Vice President - Mortgage Loans

SUPERVISES

None

CLASSIFICATION

Nonexempt

POSITION SUMMARY

Originates mortgage loans in accordance with established lending objectives, policies and procedures for portfolio and secondary market loans. Establishes, maintains and maximizes relationships with existing and potential customers. We are seeking a candidate with experience in originating and underwriting conventional and government mortgage loans.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES

1. Engages in business development opportunities with realtors and other centers of influence to build mortgage and consumer lending relationships. 2. Interview and assists customers in the completion of loan applications in compliance with Bank policy and regulatory guidelines. 3. Gathers and oversees compilation of all needed information for loan application. Works in tandem with credit team to request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application. Corresponds with or interviews applicant or creditors to resolve questions and negotiate deal. 4. Present and structure loan products that are in the best interest of the customers. 5. Facilitates negotiation with customer, both new and existing, according to established standards, such as fees, loan repayment options, and other credit terms. Refers and/or presents loan to loan committee for approval in excess of individual loan approval authority. 6. Ensures loan agreements are complete and accurate according to policy. Assures timely loan closing and funding activities. Maintains updated loan documentation and loan files. 7. Maintains a portfolio of existing customers and maximizes relationship based on customer need. 8. Works on collecting delinquent credits. 9. Remains highly informed on current Bank policy and related mortgage rules and regulations. 10. Makes an active contribution to the annual updates made to the Bank's loan policy, as it pertains to the mortgage area, based on trends that need to be addressed or areas that need further clarification. 11. Supports the culture of the Bank by seeking opportunity to promote Bank products and services. Maximizes new and existing customer relationships by cross selling key deposit/fee income products/services as customer needs dictate.

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES

Performs other duties as may be assigned.

COMPETENCIES

Communication Customer Orientation Integrity Relationship Building Results Orientation

ROLE QUALIFICATIONS

Education Bachelor's degree or equivalent combination education and experience Specialized training mortgage and consumer lending Experience A minimum of 3 years mortgage lending experience Other Skills and Abilities Oral/Written communication skills Maintain confidentiality of customer information Problem-solving and decision-making skills Ability to interact with customers and employees with tact and diplomacy Resourceful, innovative and well organized Ability to assess problems and/or unusual situations and develop logical solutions Strong ethical focus Negotiation skills Business development/sales skills

WORKING CONDITIONS

Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasional travel between offices and out-of-town/overnight business travel may be required. Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required. Serves as a representative of the organization at appropriate functions.

GENERAL NOTICE

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability. This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.

Job Type:

Full-time Pay:

From $65,000.00 per year

Benefits:

401(k) 401(k) matching Dental insurance Flexible spending account Health insurance Life insurance Paid time off Vision insurance Ability to

Relocate:

Green Bay, WI 54313: Relocate before starting work (Required)

Work Location:

In person