Mortgage Loan Officer

Job Summary:

Meets or exceeds established production goals by originating mortgage loan applications and developing lending relationships with Realtors, builders, developers and other sources of loan referrals.

Essential Functions:

• Develops lending relationships with Realtors, builders, developers and other sources of loan referrals.

• Takes mortgage loan applications and request required documentation.

• Communicates with customers regarding loan process and status during processing.

• Submits loan package to mortgage support for processing and attends loan closings.

• Mentors other Loan Officers by providing training and support with emphasis on sales, the origination process and loan

programs.

• Upholds customer satisfaction by supporting external and internal customers and answering questions/request in a timely manner.

• Maintains customer confidence and protects operations by following the Privacy Policy and keeping information confidential.

• Complies with bank procedures and follows regulatory, operational and security guidelines.

Secondary Functions:

• Works with financial center staff to develop both deposit and lending relationships to maximize cross-selling opportunities.

• Represents the bank in local community by participating in civic and community events.

• Attends various committee meetings and planning sessions as needed.

• Stays current with industry knowledge and regulations by completing training sessions as scheduled.

• Contributes to the team effort by working on special projects/reports, performing other job-related duties and accomplishing related results.

Job Standards:

• Actively pursues business development opportunities within market and consistently establishes new profitable customer relationships as evidenced by meeting individual production sales goals.

• Is actively involved in the community and finds ways to leverage those relationships into networking opportunities that result in new business as evidenced by sales reports.

• Demonstrates excellent customer service, both in person and on phone, as evidenced by positive reports or minimal complaints from clients and management observation.

• Responds to requests and/or questions within a 24-hour turnaround.

• Sets the standards for staff on professionalism, customer service, teamwork and attendance as evidenced by management observations.

Physical Demands:

• Talking--Ability to express or exchange ideas by means of the spoken word.

• Hearing—Ability to receive detailed information through oral communication.

• Seeing—Ability to view a computer screen for an extended period of time and/or identify individuals visually.

• Walking—Ability to use feet and legs to move from one place to another specifically in narrow/confined spaces.

• Finger dexterity—Ability to work with fingers for handling documents and use a keyboard.

• Driving—Ability to travel to various/multiple locations or client sites.

Knowledge, Skills and Abilities:

• Associates Degree in related field or equivalent work experience required.

• Strong sales ability or aptitude with a proven track record and 3 years successful mortgage origination experience required.

• Must have a professional, business-like appearance, with excellent communication and presentation abilities.

• Motivation and initiative are essential, along with skills in organization and flexibility in scheduling.

• Must be able to monitor loan packages to closing and travel to develop a customer base.

• Must be able to deal with individuals in a tactful congenial and personal manner as not to alienate or antagonize them.

• Able to use and/or learn industry related software specific to Liberty and the department and to utilize standard business related software is required, Microsoft Office preferred.

PM19

PI185025479

Recommended Skills

• Business Development
• Communication
• Computer Keyboards
• Confined Spaces
• Courtesy
• Customer Relationship Management