Mortgage Loan Officer

Responsibilities Provide lending services and financial advice to customers interested in mortgage loans for the purpose of purchasing, refinancing or constructing real estate. Interview applicants to obtain their financial position and ability to repay. Collect and analyze all necessary documentation and review for loan approval. Review various loan products to recommend best fit for the customer depending on credit history, down payment, and amortization requirements. Utilize training materials, reference tools, and other resources to provide accurate up-to-date loan program/policy information to clients and partners. Ability to communicate and manage client information through loan operating system, and any other system applicable to the process. Develop and maintain successful relationships with business referral sources. Increase mortgage loan portfolio by developing business contacts, attracting mortgage customers. Weekly calls and appointments on potential and existing customers as established in marketing plan to develop new business or retain existing business. Approve mortgage loans by examining application and supporting documentation; estimating credit worthiness; calculating repayment risk. Complete mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; provide underwriting with complete and accurate loan applications; communication with customers and partners during various stages of the loan process; scheduling and completing mortgage loan closing. Identify cross-selling opportunities of deposit, investment or other loan products. Expedite the processing of various loan documents and ensure compliance with policies, procedures and guidelines. Works closely with team members to ensure timely follow-up on all new leads generated by referrals and marketing programs. Resolve concerns and answer questions for parties involved with each transaction to ensure success. Ensure exceptional client experience by overseeing loan process from origination to closing. Protect bank’s image by keeping mortgage loan information confidential. Update job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks, participating in professional organizations. Develop fee income from existing and prospective customers. Requirements Bachelor’s degree or equivalent education Minimum of 3 years' experience as a producing mortgage loan officer Excellent oral and written communication skills Ability to analyze personal financial statements and tax returns Strong working knowledge of Microsoft Office Outlook, Word and Excel Ability to adapt to loan operating system and/or financial software Exceptional customer service skills Decision making skills Strong verbal and written communication skills Banking and lending legal knowledge Sales skills Detail and thoroughness in attention to documentation Hard Skills Mortgage loans Financial analysis Loan approval Credit analysis Repayment risk calculation Documentation preparation Underwriting Cross-selling Compliance Financial software Soft Skills Communication Customer service Decision making Relationship management Detail orientation Adaptability Problem solving Team collaboration Sales Time management Certifications & Qualifications Bachelor's degree Mortgage loan officer certification #J-18808-Ljbffr Jobtailor