Mortgage Loan Officer

JOB DESCRIPTION

SUMMARY

The mortgage loan officer is responsible for developing new business, structuring and the closing of mortgages, as well as maintain and servicing an existing portfolio.

ESSENTIAL FUNCTIONS

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Originating investment quality mortgage loans (FHA, VA, conventional, non-conforming) by selling mortgage lending products and services to the realtor and home builder communities.
• Servicing mortgage referrals from banking centers.

Customer Service

• Provides excellent customer service to both internal and external customers
• Discusses customer needs, problems, and complaints with appropriate people within the bank.
• Assists in developing products and services that satisfy customers and results in profitable sales for the bank.

Business Development

• Makes retention and business development calls on existing customers and prospects.
• Represents the bank at community functions to enhance its image and develop new business.
• Arranges meetings between clients or prospects and appropriate people from the bank.

COMPETENCIES

Communicating

• Communicates in a straightforward and assertive fashion
• Updates relevant people with timely information
• Listens carefully to what others are saying
• Respects and considers all opinions, even counter-opinions

Demonstrating Integrity

• Assumes responsibility for mistakes and failures
• Demonstrates consistency between what is said and what is done
• Behaves according to sound ethical and legal standards

Working with Others

• Is respectful of others
• Balances individual goals with team goals
• Builds and maintains productive relationships with people throughout the organization

Adapting to Change

• Maintains composure in frustrating situations
• Demonstrates flexibility in working with others
• Adapts to help others adapt to change

Lending with Prudence

• Learns about each customer's unique financial situation
• Learns about each customer's credit and ability to repay their loans
• Follows the bank's lending policies and procedures
• Ensures that the bank makes prudent lending decisions
• Ensures compliance with all relevant laws and regulations

Representing the Bank

• Answers customer questions and fully addresses their concerns
• Manages difficult customer situations and treats others with respect
• Maintains a neat and professional appearance
• Maintains an overall knowledge of the bank's products and services
• Cross-sells the bank's products and services to its customers and prospects

JOB KNOWLEDGE

• General business and financial knowledge
• Mortgage Loan Officer job knowledge
• Knowledge of department-related financial services regulations and compliance
• Knowledge of lending and lending policies and procedures
• Strong knowledge of the company's products and services
• Knowledge of the company's operations and management

COMPLIANCE

All positions within Home Bank SB must comply with all state and federal laws and regulations as per the Bank's compliance policies and procedures.

SUPERVISORY RESPONSIBILITIES

This position may require supervisory responsibilities.

WORK ENVIRONMENT

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, use hands to finger, handle or feel, and reach with hands and arms.

POSITION TYPE

This is a full-time position. Days and hours of work are Monday through Friday, 8:30am to 5pm. This position may require long hours and weekend work.

TRAVEL

Travel is may be expected for this position.

EDUCATION AND EXPERIENCE

• Four year degree or significant related business experience.
• Three to five years' relevant experience.
• This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as utilization of office equipment.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.