Mortgage Loan Officer

Job Description

Job Description

JOB DESCRIPTIONSUMMARYThe 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 FUNCTIONSReasonable 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 ServiceProvides excellent customer service to both internal and external customersDiscusses 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 DevelopmentMakes 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.COMPETENCIESCommunicatingCommunicates in a straightforward and assertive fashionUpdates relevant people with timely informationListens carefully to what others are sayingRespects and considers all opinions, even counter- opinionsDemonstrating IntegrityAssumes responsibility for mistakes and failuresDemonstrates consistency between what is said and what is doneBehaves according to sound ethical and legal standards Working with OthersIs respectful of othersBalances individual goals with team goalsBuilds and maintains productive relationships with people throughout the organizationAdapting to ChangeMaintains composure in frustrating situationsDemonstrates flexibility in working with othersAdapts to help others adapt to changeLending with PrudenceLearns about each customer's unique financial situationLearns about each customer's credit and ability to repay their loansFollows the bank's lending policies and proceduresEnsures that the bank makes prudent lending decisionsEnsures compliance with all relevant laws and regulationsRepresenting the BankAnswers customer questions and fully addresses their concernsManages difficult customer situations and treats others with respectMaintains a neat and professional appearanceMaintains an overall knowledge of the bank's products and servicesCross-sells the bank's products and services to its customers and prospectsJOB KNOWLEDGEGeneral business and financial knowledgeMortgage Loan Officer job knowledgeKnowledge of department-related financial services regulations and complianceKnowledge of lending and lending policies and proceduresStrong knowledge of the company's products and servicesKnowledge of the company's operations and managementCOMPLIANCEAll 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 RESPONSIBILITIESThis position may require supervisory responsibilities.WORK ENVIRONMENTThis 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 DEMANDSThe 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 TYPEThis is a full-time position. TRAVELTravel is may be expected for this position.EDUCATION AND EXPERIENCEFour 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 DUTIESPlease 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.