Mortgage Loan Officer

Description

Position Purpose:

This position is responsible for performing initial file review, verifying disclosures meet program requirements, ensuring that all loan programs are compliant and underwriting guidelines are met.

Responsibilities:

• Communicate Approval Conditions required for Closing directly with Escrow, Realtors, Loan Officers and Borrowers.
• Manage files between LO’s/ LOA’s and Underwriters. Serve as contact for third party vendors for loan files.
• Ability to organize and prioritize client pipeline.
• Understands loan submission process, service level expectations and can multitask.
• Current on FHA/ VA / Conventional/ Jumbo
• Maintains a positive working relationship with internal departments and external contacts.
• Documents all client conversations in loan origination software.
• Communicates and works closely with operations staff to ensure a smooth and accurate loan process.
• Maintain the highest level of customer service.
• Understand all compliance regulations and agencies: FHLMC, FNMA, FHA, VA guidelines
• Other duties as assigned.
• Create value for the bank and its employees.
• Be a good teammate.
• Live our core values.

Organizational Relationship

This position reports to the Loan Officer Manager.

Position Administration

Job Code: Administrative Support Worker

FLSA: Non-Exempt

Requirements

Education and Certifications:

• High school diploma or equivalent.

Skills:

• Two (2) - Four (4) years of applicable experience.
• Strong computer skills relevant to Microsoft Office Suites (e.g., Word, Excel, Outlook, etc.).
• Organizational skills and attention to detail.
• Strong decision-making/problem resolution skills.
• Demonstrate strong analytical and math skills, organizational skills, and customer service skills.
• Effective verbal and written skills to effectively communicate in the English language required.

Abilities:

• Ability to learn bank programmed software.
• Ability to build and maintain relationships with accounts while providing exceptional customer service.
• Ability to work all branch hours, remote or in office, including weekend and evenings.
• Ability to work within a team environment.
• Ability to read and comprehend simple instructions, short correspondence, and memos.
• Ability to read and interpret documents such as procedure manuals, general business correspondence, and/or journals, or government regulations.
• Ability to deal directly with the public, on the phone or face to face, following the Bank’s Customer Service Standards.

Preferred Qualifications:

None.