Mortage Loan Officer Primary Responsibilities & Duties:

• Responsible for developing individual relationships with realtors and informing real estate offices of current products, programs and interest rates.
• Responsible for working with Business Development Officers to make calls on business partners outside of the 1st National Bank offices and to establish contacts for promoting mortgage services.
• Responsible for participating in Realtor groups and other community related activities.
• Informs clients of mortgage loan programs available and prepares them to bring required documentation to the application
• Interviews and pre-qualifies clients for mortgage loans according to guidelines established for various programs.
• Enters a complete, accurate application on mortgage software, pulls credit information and reconciles all liabilities with customer, sends accurate information to underwriting and processing, obtains all required documentation.
• Responsible for complying with all applicable regulations and disclosures associated with mortgage application.
• Responsible for ongoing communication with client and notification of approval or denial of mortgage loan request.
• Responsible for cross-sell of other bank products.
• Will assume additional duties as directed by the Executive Vice President of Mortgage Lending, Don Roberts.

Job Requirements for Mortgage Banker (Must meet to apply):

• Must have a minimum of 2 years experience and established partnerships (Realtors, Builders, etc.)
• Must have an NMLS#
• Must have extensive experience with Conventional, JUMBO, Construction, FHA, VA, USDA, Portfolio, and Equity lines.
• Expected to present a professional image and demeanor whenever representing 1st National Bank.
• Excellent human relation and ability to communicate with individuals at different levels.
• Computer literacy (Windows environment, MortgageBot, Encompass, etc.), data entry skills required.
• Familiarity with secondary market underwriting guidelines.
• Established leader in the mortgage industry with consistent and stellar sales history
• Strong mathematical and computation ability.

Minimum Requirements:

• High School Diploma (GED) or equivalent skills and abilities.
• Minimum two-years experience in mortgage related field.
• Comprehensive knowledge of bank products and services.
• Accountability
• Completion of an accurate application, and compliance with all applicable compliance regulations relating to mortgage loan origination.
• Compliance with applicable underwriting guidelines for mortgage programs.
• Mortgage production and sales goals as established by Executive Vice President of Mortgage Lending.

Compensation:

Salary: $50,000.00 to $200,000.00 /year Other incentives such as President’s Club and Quarterly rewards. Full Benefits Job Types: Full-time, Commission

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Disability insurance
• Employee assistance program
• Employee discount
• Flexible schedule
• Health insurance
• Life insurance
• Paid time off
• Professional development assistance
• Referral program
• Tuition reimbursement
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday
• On call
• Weekends

Supplemental Pay:

• Bonus pay
• Commission pay

Mortgage Loan Officer Experience:

• Fair Housing Regulations: 2 years (Required)
• Loan Origination: 2 years (Required)

Mortgage Loan Officer License/Certification:

• NMLS (Required)

This Job Is Ideal for Someone Who Is:

• Adaptable/flexible — enjoys doing work that requires frequent shifts in direction
• Autonomous/Independent — enjoys working with little direction
• High stress tolerance — thrives in a high-pressure environment

Benefit Conditions:

• Waiting period may apply
• Only full-time employees eligible

Work Remotely:

• Remote options available after completion of training

Apply Directly