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SB
State Bank
Mortgage Banker
Career Insights for Mortgage Loan Officer
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Scorecard
Based on Indiana data
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What they do
A Mortgage Loan Officer assists customers who apply for loans, and solicits loan applications on behalf of a bank, mortgage broker or credit union. Provides information on types of loans available, gathers financial and credit information needed to evaluate loan applications; guides the application and approval process. May partner with real estate agents to offer financing information to potential home buyers. May sell mortgage loans on commission.
$58,324 / year median in Indiana
-27% projected decline
Job Description
Summary of Position As a Mortgage Banker with State Bank, you will be responsible for building and maintaining profitable customer account relationships. Generate mortgage loans for secondary market income and loan portfolio with minimum risk to the Bank. Exercise the ability to build relationships and earn client trust. Identify, develop, and maintain a network of contacts within the real estate community including but not limited to realtors, builders, personal and professional contacts. Demonstrate and present a thorough knowledge of products, services, mortgage loan policies, regulations, and procedures. Consult with clients and prospective borrowers to determine financial objectives. Demonstrate ability to analyze information supplied by borrower to determine loan structure and qualification of specific products. Essential Functions 1. Originate residential mortgage loans 2. Ability to take initiative, be a problem solver, ability to think creatively to provide suggestions 3. Possess strong time management and organizational skills 4. Ability to adapt quickly and work efficiently, ability to multi-task and meet timelines in a fast-paced environment 5. Effectively manage individual mortgage pipeline 6. Assist in the resolution of information needed to move the loan through processing and closing 7. Attend client closings 8. Identify cross-sell opportunities 9. Achieve or exceed sales goals as established 10. Active in the community and attend events as needed to represent State Bank 11. Stays current on all mortgage products, rules, and regulations 12. Attend and complete all required bank training 13. Other duties as assigned 14. Adhere to State Bank mission, values, and customer service standards Qualifications A college diploma is preferred, or equivalent work experience in the field is strongly recommended. Three to five years of mortgage lending experience, sales, and business development are required. Mortgage software experience is also preferred. Previous computer experience with Windows, Microsoft Office, and other computer applications is also required. Maintain NMLS. Skills & Abilities Ability to read, analyze and interpret complex information and make sound judgments. Familiarity with a variety of the field's concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks while remaining detail-oriented, accurate, and organized. Good customer service skills with a focus on strong oral, presentation and written communication skills. Ability to work unsupervised and display effective time management skills. Ability to work a flexible schedule. Exhibits excellent judgment in handling confidential information.