Mortgage Lender

Job Description

Job Description

United Community Bank, is looking for a Mortgage Lender. In this role lenders will examine, evaluate, and recommend approval of customer applications for real estate loans, refinancing and home equity lines of credit.

Essential Duties and Responsibilities:

• Interview applicants and requests specified information for loan applications
• Analyze applicants' financial status, credit and property evaluation to determine feasibility of granting loan
• Enter loan applications into LaserPro or Encompass
• Correspond with applicants or creditors to resolve questions regarding application information
• Approve loans within specified limits or refers loan to loan committee for approval
• Ensure loan agreements are complete, accurate and in accord with financial institution policy
• Notify applicants of loan decision
• Recommend and outline terms of loans to customers
• Aid in resolving mortgage application problems
• Close the loan
• Analyze potential loan markets to develop prospects for loans
• Manage delinquent account files
• Review developing laws and changes to compliance and regulatory issues
• Periodically review existing customers to evaluate financial needs
• Maintain familiarity with the Bank Secrecy Act Policy, OFAC Policy, Loan Policy, CIP Policy and any other positions relevant to your position
• Represent the Bank to the public and community based organizations
• Assist the branch manager with duties when needed
• Other related duties as assigned

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Computer Requirements:

• Proficiency in Microsoft Office (Word, Excel, Access, and Power Point)
• Experience with Encompass and LaserPro is a plus

Education/Experience Requirements:

• Bachelor's degree in business, finance or equivalent experience is preferred
• 2 - 4 years experience in a financial institution in a loan setting preferred

Additional Requirements:

• Previous customer service skills preferred
• Strong attention to detail
• Strong time management and organizational skills
• Ability to practice discretion and handle confidential information in a professional manner
• Ability to independently perform duties, establish priorities and meet deadlines with limited supervision
• Problem Solving/Analysis skills
• Ability to communicate effectively with customers and coworkers
• Ability to read, write and comprehend simple instructions, short correspondence, and memos
• Ability to manage and execute more than one task at a time
• Ability to perform basic mathematical calculations and to work with mathematical concepts and apply them to work situations
• Ability to define problems, collect data, establish facts and draw valid conclusions
• Ability to explain the benefits of bank products and services and answer customer questions regarding these products and services
• Knowledge of financial institution regulations
• Ability to multitask
• Strong professional integrity in compliance with company policy, and ethical and legal standards
• General knowledge of bank procedures and how they apply to other areas of the bank

Supervisory Responsibilities:

• Loan Assistant if applicable

Attendance Requirements:

Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.

Certificates, licenses, or registrations:

• NMLS registration

Working Conditions:

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

Physical requirements:

• Requires bending, stooping or standing as necessary
• Requires the ability to hear, speak and/or signal people
• Effectively communicate verbally, in writing, and in English
• Requires manual dexterity, typing, and the ability to count money and key in transactions
• The employee may occasionally lift and/or move up to 25 pounds

The following benefit programs are available to all employees:

• 401(k) retirement plan (requires 30 days of employment, age 20)
• Paid Leave Time
• Free checking account including identity theft and cellphone protection, Roadside Assistance and more
• Free savings account & Safety Deposit Box
• Cashier's checks

In addition, the following benefits are available to all full-time employees after meeting eligibility requirements:

• Vacation time (requires 30 days of employment)
• Sick/Personal Time (requires 90 days of employment)
• Holidays
• Jury Duty leave
• Health Insurance (requires 30 days of employment)
• Dental Insurance (requires 30 days of employment)
• Vision Insurance (requires 30 days of employment)
• Life Insurance (requires 30 days of employment)
• Short-Term Disability Insurance (requires 30 days of employment)
• Long-Term Disability Insurance (requires 30 days of employment)
• Section 125 Cafeteria Plan including Flexible Spending Accounts (requires 30 days of employment)
• Tuition Reimbursement
• Military Leave

Some benefit programs require contributions from the employee and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents.

Please visit for more information on UCB's complete benefit package.