Full Time Loan Processor I

Full-Time, Exempt

About Granite Bank
Granite Bank is one of the fastest-growing banks in Minnesota! We're a locally owned community bank, and we're growing our team of people on a mission to help as many people as possible achieve their financial and homeownership goals. Whether it's expanding our product line or having fun company events, we're prepared to adapt to an ever-changing industry while keeping our people first. This is a full-time on-site role for a Mortgage Loan Officer. The Mortgage Loan Officer will be responsible for managing and overseeing the mortgage lending process for loans they originate, including underwriting, customer service, and managing a portfolio of clients. The Senior Mortgage Loan Officer will also be responsible for developing and maintaining relationships with real estate agents, builders, and other referral sources.

Verifies the information provided on applications to obtain more information if missing data or mistakes are present

Communicates with borrowers to help them choose the best mortgage loan they can afford. Collects data from borrowers, such as their assets, salaries, debts and employment status

Verifies information about applicant history with credit bureaus and other agencies so the lender can approve or deny the loan

Remains aware of loan application deadlines and informs customers about them

Evaluate credit and financial status of prospective borrowers to make sales of residential mortgage loans.

Maintain a working knowledge of all Granite Mortgage products.

Understand and apply all federal rules and regulations associated with mortgage lending.

Prospect and network, building relationships with referral partners.

Develop a working knowledge of the Credit Union's data processing system, loan origination system, Word, and Excel software.

Solicit business from potential and existing customers (outside and inside business location).

Interviews loan applicants and processes loan applications for both purchase and refinance transactions.

Counsel borrowers about various loan programs and help them to select the program that best fits their financial goals and needs.

Assist the loan processor in gathering the necessary documents from the customer to prepare for underwriting.

Manages a large pipeline of loans including meeting closing deadlines, submitting loans to compliance, and making sure their pipeline meets the bank's requirements.

Represents the financial institution in public relations activities and community affairs.

Possess ability to sell oneself to potential customers and referral partners.

Granite Bank is an Equal Opportunity Employer

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