Mortgage Loan Officer

Job description:The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.Develop sales leads independently and by cooperation with the Financial Center Managers or Business Development Officers to attain new Residential Lending business relationships and product salesManage a book of business for residential lending customers including but not limited to: a pipeline of loans, answering customer inquiries, and developing relationships with Realtors and other COIsAssist borrowers in completing their applications for financing, gathering and entering complete information as needed.Analyze borrower qualifications to determine a prequalified loan amount while working with the borrower to identify the appropriate loan program and pricing.Deliver “best in class” customer service by promptly returning phone calls, answering questions, and providing education to prospective borrowers on loan product types.Abide by all state, federal, and local laws, including those regarding fair lending and nondiscrimination in the extension of mortgage services.Develop and foster internal and external client referral relationships to assist in generating an ever increasing pipeline of loan applications.Meet and exceed published individual and department goals for sales activity, productivity, and processing times.Become the client’s “trusted advisor” by demonstrating knowledge of the lending function, bank policy, and industry underwriting criteria.Participate as a valued Team Member, representing the bank with enthusiasm and professionalism at all times.Identify borrower cross-selling opportunities, delivering “warm transfers” to internal partners to support bank cross-sell goals.ComplianceComply with all applicable regulations and Bank policies regarding employment and employment law.Participate in annual compliance and other job-related training.Comply with applicable bank regulations, Bank policies and procedures.Comply with Bank’s internal privacy and ethics standardsRelationships and ContactsInternal : Reports to Residential Lending Sales Manager, frequent interaction with Operations staff, department leaders, and back office personnel.External : Frequent interaction with borrowers, depositors, referral sources, realtors, and vendors.Education and ExperienceHigh School diploma or GED required; college degree preferred.Minimum of two years’ previous experience in a sales oriented environment, with proven track record of success, required; network of established referral sources preferred.Skills and CompetenciesMust be compliant with the SAFE Act and registered with the Nationwide Mortgage Licensing System (NMLS).Strong working knowledge of underwriting guidelines for each agency, as well as bank overlays for portfolio business.Excellent written and oral communication skills.Ability to manage time extraordinarily well.Excellent presentation and public speaking skills.Familiarity with Microsoft OfficePenn community Bank is an equal opportunity employer. #J-18808-Ljbffr Penn Community Bank