Mortgage Loan Officer

Mortgage Loan OfficerBank Mortgage Loan OfficerCouncil Bluffs, IAAvaila Bank believes our people make a difference, and we recognize that individual differences and experiences strengthen our teams. Each member of our team is empowered to inspire and enable our clients and the communities we serve to achieve financial success.The primary responsibilities of this position are to generate, negotiate, underwrite, and coordinate the origination and closing of mortgage loans in compliance with the bank's lending policies and procedures. Within the portfolio managed, the Loan Officer will be responsible for credit decisions (within authority guidelines), overall credit quality, and fee income.Availa Bank offers a rich selection of benefits you can personalize to support you and your family's needs.Benefits may include:Medical, Dental & Vision PlansOption for Health Savings Account (HSA)Life Insurance (Company paid for employee)401K and Employee Stock Ownership Plan (ESOP)Company Paid Short & Long Term Disability InsuranceFlexible Spending Account (FSA) & Dependent CareEligibility for Tuition Assistance and DiscountsEmployee Assistance Program (EAP)Bank Mortgage Loan Officer Essential Duties and AccountabilitiesOriginates all loan applications within an acceptable customer service and regulatory timeframeAnalyze credit applications and propose appropriate mortgage solutions/products to meet customer financial needsMaintain loan quality by striving for low incidence of incomplete documentation or regulatory violationHelp the bank attract new customers and deepen relationships with existing customers through active involvement in the community and through participation in the bank's customer service and sales effortsAdheres to bank policy, procedures, and all lending laws and regulationsWork with customers through difficult/complicated issues that may ariseHandle collections on delinquent loans; monitor the quality of existing loansMaintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgagesDevelops and maintains contacts with local real estate agents, attorneys, developers, and builders to promote and encourage the use of bank services for residential mortgagesMakes recommendations for new loan products and servicesSite visits may be applicable for construction, real estate purchase, or refinance originationsRefer additional bank services and productsBank Mortgage Loan Officer Role QualificationsEducationBachelor's in business or equivalent experienceExperienceMinimum 1 year Mortgage Lending experience preferredOther Skills and AbilitiesDemonstrated proficiency in typing with speed and accuracy; basic keyboarding skills are requiredSound knowledge of loan policies and procedures, including Fannie MaeStrong background, or an ability to learn, mortgage lending principles and programs, technicalities, and complianceStrong math skills; add, subtract, multiply, and divide in all units of measureExceptional oral, written, and interpersonal communication skills with the ability to apply commonly understood knowledge to carry out instructions and instruct others, understand procedures, and write reports and correspondenceExceptional organizational and time management skills; ability to function well in a fast-paced environmentProficient Microsoft Office skills (to include Word, Excel, PowerPoint, and Outlook) and Adobe PDFAssumes a leadership role in community projects and activitiesAccepts a leadership role within the bank and participates in bank promotions and activities