FitzGerald Financial Group_Mortgage Loan Officer

Potential compensation for this position is strictly commission based with a draw against commissions. Commission amount payable is dependent on personal production. Responsibilities Providing service to applicants and prospective customers seeking a home loan, including interviewing, pre‑qualification and pre‑approval. Completing application and gathering supporting documentation. Reviewing and completing regulatory disclosures with customer. Maintaining existing and generating new sources of referral business. Quoting interest rates and securing pricing through the Secondary Marketing Department on behalf of the Customer. Collecting required application fees. Inputting application data into Loan Origination Software (LOS). Utilizing automated underwriting systems (AUS) to obtain credit recommendations. Communicating with customers, both internal and external, regarding the status of the loan and relaying information to all interested parties. Communicating with all parties in a professional and courteous manner. Managing his/her pipeline of loans to verify accuracy of the current loan status. Acknowledging and abiding by TowneBank Mortgage Policies and Procedures. Mentoring other Loan Officers. Relaying to Senior Management any industry changes or trends that may be of interest to them. Participating in Towne Bank, TowneBank Mortgage, and area association events. If in one of our joint ventures, you’ll actively participate in all aspects of the Real Estate Office sales meetings and office functions. Preparing Mortgage Minutes for presentation at each sales meeting. Providing on‑going training for the real estate agents (lunch and learns). Working closely with the Broker/Sales Manager. Attending Loan Officer Meetings. Representing the bank with active participation in approved community outreach functions to enhance our image and develop new business opportunities. Obeys all applicable federal laws, rules, and regulations relating to Anti‑Money Laundering (AML) including the Bank Secrecy Act (BSA). Required Skills Has a valid NMLS number. Has at least 1‑year experience originating VA, FHA, Conventional and VHDA loans. Has a proven sales record based on closed loan production. Currently possesses sources of referral business for purchase transactions. Has a High School Diploma or equivalent. Has an awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines. Desired Skills Working knowledge of Microsoft Office products. Working knowledge of Encompass software. Physical Demands Express or exchange ideas by means of the spoken word via email and verbally. Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time. Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation. Not substantially exposed to adverse environmental conditions. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities. Locations 5010 Regency Pl, Suite 101, White Plains, MD 20695 2900 South Quincy St, Ste 450, Arlington, VA 22206 8825 Stanford Blvd, Suite 310, Columbia, MD 21045 3050 Chain Bridge Rd, Ste 520, Fairfax, VA 22030 6411 Ivy Ln, Suite 610, Greenbelt, MD 20770 23680 Three Notch Rd, Unit 202B, Hollywood, MD 20636 19633 Blue Bird Ln, Unit #6, Rehoboth Beach, DE 19971 600 Jefferson Plz, Rockville, MD 20852 100 West Rd, Ste 203, Towson, MD 21204 4008 Genesee Pl, Ste 101, Woodbridge, VA 22192 Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr TowneBank