Mortgage Loan Officer

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FUNCTION: Working under the directives and goals set forth by the Regional Mortgage Development Manager, each MLO is responsible for the production of mortgage originations within assigned geography. Assists in ensuring that the Bank complies with local, state and federal regulations.

• Meets assigned mortgage origination sales quotas.
• Develops, maintains and leverages referral source network for mortgage sales that includes, but is not limited to, realtors, builders, financial advisors, CPAs, lawyers and community leaders.
• Conducts business sales calls that generally require research, proposal preparation; follow-up calls to confirm data, face-to-face meetings with clients to describe products, obtain financial data, and complete applications, problem resolution, construction contract review, file documentation to support underwriting conditions, and ongoing communications with customers.
• Ensures timely delivery of pre-qualification, pre-application, and residential mortgage applications.
• Maintains/increases knowledge of products.
• Identifies prospects/customers for cross-sales opportunities and refers to business partners accordingly.
• Maintains strong and effective working relationships with internal Loan Operations and Retail personnel.
• Attends closings outside of the bank for purchase mortgages and other types as needed.

General:

• Interacts harmoniously and effectively with others, focusing on achieving bank goals through teamwork.
• Conforms to acceptable punctuality/attendance standards as per the Employee Handbook.
• Performs additional duties as requested.

Knowledge/Skills/Experience Requirements:

• High school diploma or equivalent required; college, business, or banking professional training is helpful.
• Three or more years of mortgage or credit-related experience required.
• Excellent customer service skills required.
• Demonstrated proficiency with personal computers.
• Ability to handle complex problems.
• Strong oral and written communication skills required.

Physical Demands/Conditions:

• Frequent travel within the designated market area using own vehicle.
• Current driver’s license required.
• General office environment.
• Moderate lifting (up to 35 lbs.), reaching, walking, sitting, and standing required.

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