Loan Officer

Description Utilize relationship management skills and techniques combined with personal business development efforts to build and service a network of high-quality referral sources in order to achieve new mortgage business, income and growth goals and service the needs of customers. Initiate, evaluate, process, and administer a loan portfolio of residential mortgages that meet or exceed the bank’s credit quality, profitability, loan growth and service objectives and provide customers with an ability to protect loan payments at minimum costs via credit life and A/H sales in order to contribute to the bank’s lending profit objectives without compromising quality and to minimize customer and bank loan loss. Support a sales culture in the bank by making quality deposit, commercial, and investment/trust referrals and actively participating in sales meetings. Provide mortgage lending support and assistance to branches while ensuring that superior customer service is evidenced by a noticeably positive customer experience at every point of contact in order to promote an active sales and customer service team that achieves growth and income objectives. Support operational activities by keeping informed about operational functions and assisting in mortgage product development, support, and training in order to achieve profit and growth objectives and ensure effective and efficient operational programs. Develop and maintain a personal program for maintaining an adequate level of knowledge in banking matters, competitive factors, and management techniques; also demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance. HOURS will be as needed, averaging approximately 40 per week. This position will have commission-based compensation. Requirements General understanding of marketing, investment and lending principles, and of bank-related laws and regulations. Knowledge of the features and benefits of bank products and services. Working knowledge of bank operating policies and procedures. Basic accounting skills. Proficient in Microsoft Office Suite and related program software. Proficient with or the ability to quickly learn position-related software. Three-plus years of position-related experience. Up to three years of mortgage and secondary market lending experience. Education beyond a high school diploma or equivalent educational experience. Specialized and position related education and training. (preferred) BENEFITS: Health, dental, and vision benefits 401k w/ company match Group and voluntary life insurance and disability insurance Aflac supplemental plans Employee Assistance Program Our goal is to support the growth of the communities we serve. First Citizens has a knack for hiring the finest and brightest employees; we understand how fostering their growth builds loyalty and impacts customer service. Our employees are our strongest asset. So, we accommodate families, invest in our employees' future, and recognize hard work. First Citizens Community Bank is committed to equal employment opportunity and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply. #J-18808-Ljbffr