Description:
The Loan Officer is responsible for originating mortgage loan, HELOC and consumer applications.
Requirements:
Duties and Responsibilities:
- Originates loans by talking with customers and by contacting realtors, builders, etc.; engages in sales efforts at the customer's home or place of business and away from the bank's place of business or any office maintained for loan production business purposes.
- Responds to customer/contact inquiries regarding the association's loan products and customer's applications.
- Keeps up-to-date on government regulations and the association's policies and procedures regarding lending; participates in compliance training and banking regulations for industry.
- Knows, understands and complies with current fair lending laws and bank policies and procedures; addresses same at all times.
- Makes an underwriting decision on each loan within their lending authority; for those above that level or for exceptions to lending policies the file referred to the VP Lending Operations Officer and/or President CEO to make the decision as outlined in policy and procedure.
- Manages service providers and vendors effectively; structures relationships with service providers in a strategic manner, sets expectations; develops performance metrics; measures vendor performance, provides feedback and hold accountable.
- Other duties as required.
Necessary competencies:
- Adaptability
- Communication skills
- Customer service
- Interpersonal skills
- Job knowledge
- Judgment
- Leadership
- Planning and organization
- Staff development
Technical Expertise
- Experience in mortgage lending is required.
- Experience with lending laws, regulations, and guidelines are required.
- Experience in customer service is required.
- Experience in financial services or banking is preferred.
- Proficiency in MS Office [Outlook, Excel, Word] or similar software is required. Encompass, Cleartouch, OnBase, various government and investor software/web portals is preferred. CRM software is preferred.
Education and Experience
- Education: High School Diploma is required Bachelor's degree in Marketing or Communications is preferred
- Certification: NMLS is required.
- Years of experience: 3 to 5 years as a Loan Officer [Originator] is required.
Physical Environment
- While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak.
- The employee must occasionally lift and/or move up to 25 pounds.
- The noise level in the work environment is usually quiet to moderate.
- This position is customarily and regularly performed outside of an office setting and hours of work are not structured. To be determined between the Loan Officer [Originator] and the VP Lending Operations Officer
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