Consumer Loan and Mortgage Loan Officer - Bentonville

Job Description

Job Description

JOB SUMMARY

The Consumer Loan and Mortgage Loan Officer serves as a trusted advisor for both consumer and residential mortgage lending needs. This role combines relationship management, consumer lending, and secondary mortgage origination, offering the opportunity to guide clients through the full lending process: from initial consultation to underwriting and closing.

The ideal candidate will bring strong sales and service skills, sound credit judgment, and a working knowledge of mortgage lending requirements. This individual will help grow the loan portfolio, deepen customer relationships, and ensure high-quality client experience while maintaining compliance with all applicable policies and regulations.

Why Generations Bank?

At Generations Bank, we prioritize a diverse and talented group of people who are encouraged to bring their full self to work. We are committed to a common goal, serving our community. Our four core values are more than words. They are at the heart of everything we do. We believe a team with a strong culture and unified purpose is better in the long run.

ACCOUNTABILITY: We believe our work commitments should be done fully, and lending a hand to fellow team members isn't optional.

RELATIONSHIPS: We believe when we treat our team and customers with humility, dignity, and pride we reach our highest potential.

COMMUNICATION: We believe in proactively sharing ideas and information.

STEWARDSHIP: We believe each team member should care for our assets and opportunities as if they were their own.

WHAT ARE THE DUTIES OF THE CONSUMER AND MORTGAGE LOAN OFFICER?

Build client relationships. Meet with borrowers to understand financial goals, recommend consumer, and mortgage lending solutions, and provide guidance on available loan structures and options.

Originate loans. Develop and manage consumer loan and secondary mortgage opportunities, maintaining an active pipeline of prospects, referrals, and customer relationships.

Gather and review information. Collect and verify borrower financial information, including income documentation, tax returns, credit history, and collateral details.

Evaluate credit quality. Assess borrower creditworthiness using underwriting guidelines, including debt-to-income ratios, credit history, collateral analysis, and sound lending judgment.

Structure and decision loans. Recommend or approve loan terms and pricing within policy guidelines and delegated authority.

Coordinate documentation and closing. Prepare and review loan documentation, disclosures, and closing materials for accuracy and compliance with consumer and mortgage lending requirements.

Manage the lending process. Maintain clear communication with borrowers and internal partners throughout the loan process, ensuring timely progress from application to closing.

Expand relationships. Identify opportunities to introduce additional bank products and services that support broader customer needs.

Maintain compliance. Follow all internal policies and applicable federal and state regulations, including TILA, RESPA, HMDA, and other lending requirements.

Support business development. Build referral networks with real estate professionals, builders, and community partners to grow market presence and loan production.

WHAT ARE THE REQUIREMENTS?

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

BASIC QUALIFICATIONS - candidates must have these to be considered for the role:

• High school diploma or equivalent (GED).
• Bachelor's degree and/or 3 or more years of lending experience.
• Ability to perform the essential functions, mental, and physical demands of the job as listed above.
• Current driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.

PREFERRED QUALIFICATIONS - candidates will stand out if they have these:

• Bachelor's degree in accounting, finance, or business administration.
• Effective communication skills - speaking, listening (active), and written.
• Excellent organizational and time management skills.
• Intermediate knowledge of human resource labor laws and policies.
• Intermediate skills in computer terminal and personal computer operation; host computer system; word processing and spreadsheet software programs.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Advanced problem-solving aptitude
• Teamwork orientation and an interest/capacity in cultivating strong working relationships.
• Professional appearance and demeanor with a customer focus.
• Positive, "can do" attitude.

Your next step

We're looking for talented individuals like you to join our team and help us achieve our goals. If you're passionate, driven, and committed to making a difference, we want to hear from you! Don't wait - apply now and take the first step towards a fulfilling career with endless possibilities. Let's work together to make great things happen!

Applicants who are offered this role are required to submit to a background check including a criminal record check, employment, education verification, and drug screening.