Mortgage Loan Officer

Gathers background information on loan applicants by interviewing loan applicants and obtaining credit bureau reports. Assists members with the loan application process to ensure completeness of information. Calculates debt-to-income and loan-to-value ratios on loan applicants. Reviews and denies or approves loan applications up to authority limits. Completes loan documents and loan disclosures accurately and timely, per lending laws and regulations. Researches, analyzes and reports on all information impacting area of expertise, including interest rates, real estate activity, title companies, attorneys, and appraisers. Travels to different branch locations daily and weekly to support and grow business. Conducts loan closings with applicants reviewing final closing documents and figures. Requirements Bachelor’s degree in business or a related field. 2-3 years minimum mortgage loan origination experience in a mortgage lending department. Knowledge of the real estate loan policies, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan needed. Knowledge of interviewing skills and techniques required. Professional sales experience beneficial. Proficient knowledge of the Microsoft Suite (Outlook, Word, Excel, PowerPoint). Knowledge and ability to apply current financial service industry standards, laws, and regulations. Core Competencies Demonstrates expertise in mortgage loan origination, including knowledge of real estate loan policies, credit granting criteria, and financial service industry regulations. Proficient in conducting interviews, analyzing loan applications, and completing loan documents accurately and timely. Highest-signal resume keywords Mortgage Loan Origination Experience Knowledge of Real Estate Loan Policies Interviewing Skills Proficient in Microsoft Suite Understanding of Financial Service Industry Standards ATS Optimization Keywords Hard Skills Debt-to-Income Ratio Calculation Loan-to-Value Ratio Calculation Loan Document Completion Loan Disclosure Accuracy Credit Bureau Report Analysis Soft Skills Sales Experience Customer Service Skills Industry Keywords Lending Laws Mortgage Lending Loan Application Process Interest Rates Real Estate Activity #J-18808-Ljbffr Jobtailor