Mortgage Loan Officer

Coordinates with customer establishing mortgage loans, construction loans, home equity lines of credit, and consumer loans. Forms relationships with individuals in the real estate community and generate prospective client leads. Provides guidance in mortgage lending topics and products to both customers and co-workers. Underwrites and make credit decisions according to secondary market standards and Bank policies. Adhering to Bank lending policies/procedures and federal lending regulations. Representing the Bank at loan closings, public functions, meetings, and community events. Mortgage Lender works with customer to help with home loans /mortgages, construction loans, home equity lines of credit, consumer loans and other banking products. Guiding customer through the process to make it an easier transition.

Major Duties:

Provides guidance through the home-buying process from application to closing for residential mortgage loans, construction loans, home equity lines of credit, and consumer loans. Form relationships with individuals in the real estate community and generate prospective client leads. Underwrite and make credit decisions according to secondary market standards and Bank policies. Adhere to Bank lending policies/procedures and federal lending regulations. Understand and be able to explain the features and benefits of other Bank products and services for cross-sell opportunities. Represent the Bank at loan closings, public functions, meetings, and community events.

Qualifications:

Minimum of 2 years of mortgage lending experience. College degree or advanced education preferred but not required.

The Ideal Candidate Will Have:

Understanding and experience of mortgage lending. Familiarity with secondary market requirements. Experience with banking software and other technology applications. Strong communication, organization, time management, and attention to detail. Ability to multitask and work within a team environment. Familiarity with lending compliance rules, regulations, and timelines.

Physical Qualifications:

Be able to lift and/or carry up to 50 lbs. Be able to sit or stand for extended periods of time.