Mortgage Loan Officer

Description

Blue Ridge Bank is extremely proud of its more than a century of customer-based service and looks forward to serving its current and new customers for many years to come, with the attention and service that only a locally owned independent community bank can provide. 

At Blue Ridge Bank our purpose is to be a trusted partner OF CHOICE in helping our customers achieve their financial goals and that includes you as well! Our Core values of teamwork, integrity, respect, open communication and honoring our commitments to each other, serve as our compass, driving us forward with purpose. These values guide our actions and shape our culture to deliver on our purpose. They influence our decision-making and define how we interact with one another and our customers.

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.