Job Title: Mortgage Loan Officer -
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The Mortgage Loan Officer generates sound and profitable mortgage loans and
related fee income that are reflective of our business strategy and core values.
Essential Duties and Responsibilities include, but are not limited to:
∑ Partner with Bank officers to cultivate value-added mortgage relationships with
existing Bank customers.
∑ Actively engage in business development and civic initiatives with contacts
throughout the community, including current and prospective customers, builders
and real estate brokers in order to achieve defined goals.
∑ Meets Mortgage Division customer service, performance, compliance and
regulatory standards and expectations.
∑ Interview and prequalify potential loan customers.
∑ Take customer loan applications and issue appropriate disclosures.
∑ Provide and explain various mortgage loan products to customers.
∑ Provide suggestions to customers on actions that may improve their credit-
worthiness, if needed.
∑ Collect appropriate fees from customers, such as those charged for appraisals.
∑ Order appraisals.
∑ Originate all loan applications on Calyx or appropriate software.
∑ Obtain all necessary information for verifications and underwriting, such as
financial data, tax returns, credit reports, etc.
∑ Ensure that all loan packages are complete and accurate prior to submission.
∑ Lock the loans and manage locked loan pipeline to ensure the locks remain
∑ Assist in resolving post-closing deficiencies.
∑ Dispense advice and guidance to other mortgage officers and employees.
Minimum qualifications include a Bachelorís degree in Business or a related field and
five or more years of mortgage loan origination experience; or an equivalent
combination of education and experience. A working knowledge of applicable banking
and mortgage laws and regulations, as well as underwriting systems such as DU and
LP is essential. Excellent written and verbal communication and interpersonal skills
are a must!
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