Mortgage Lender (on-site) - FT - Covington, Georgia

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process. Mortgage Lender (on-site) - FT - Covington, Georgia Full Time Banking Covington, GA, US 17 days ago Requisition ID: 2017 United Bank Who We Are: United Bank offers exciting career opportunities and has a unique company mission and culture. We are an innovative and growing 121-year-old, $2.4 billion Community Bank, that proudly provides Signature Service to our customers, in 19 locations and 11 counties, throughout Middle Georgia. Competitive benefit package . Benefits include: paid employee health insurance, dental insurance, vision insurance, short-term disability insurance, paid long-term disability insurance, paid life insurance, 401(k) plan with employer contributions, Employee Stock Ownership Plan (ESOP) with employer contributions, flexible spending account (FSA), wellness program, employee assistance program, vacation time, sick time, paid federal holidays, and other unique perks. Flexibility Job Title: Mortgage Loan Officer Job Summary: Originate residential mortgage loans that meet customer expectations within established lending standards of the secondary market and in-house bank loan products. Assist customers in selecting a mortgage loan product that meets their needs as well as lending standards. Take proactive steps to promote and secure new mortgage business for the bank and provide quality services to customers through accurate financial counseling and professional interviewing tactics. General Description/Duties: Duties include but are not limited to the following: Originate first mortgage loans on-site and off-site, as required, and assure these loans meet requirements set forth by secondary market and bank lending policies. Complete applications, obtain credit reports to determine credit worthiness and debt ratio, arrange for property appraisal, order title check, and verify first lien position. Coordinate with processing, underwriting, secondary marketing and closing to ensure loans are being processed, approved, and closed in a timely manner. Notify customers in writing of credit decision made on loan request. Explain loan closing process and procedures, and review payment schedules ensuring customers understand repayment obligations. Keep informed of current trends and market developments in mortgage lending. Remain current on changes within the legal, regulatory, economic, and competitive technology environments which may affect real estate lending. Quote rates, points and fees to customers and offer lock-in rate protection. Develop new business opportunities by calling on real estate companies, builders and developers and other referral sources to create new business and generate new mortgage loans and retain or increase existing business. Initiate, promote and actively participate in, sales activities and social/civic functions to select groups for the purpose of originating new mortgage loans. Participate and originate “Home Buyer” seminars educating the audience on mortgage products, rates, and fees. Maintain a professional image and standards consistent with company policies and procedures. Comply with all Federal and State banking laws and related regulations, to include but not limited to the Bank Secrecy Act. Performs other work-related duties as assigned by supervisor. Requirements: High school education or equivalent. Minimum of one-year customer service, loan processing, and/or sales experience. Ability to work independently, and within a team environment. Effective time management and organizational skills. Detail oriented. Customer Service focused. Proven analytical, reasoning and problem-solving skills. Effective written and verbal communication skills. Professional in presentation and demeanor. Proficient computer skills and active engagement utilizing technology. #J-18808-Ljbffr United-Bank