Mortgage Loan Officer

Centerville OH Location

 

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Essential Function

Responsible for the production of Mortgage Loan Origination through the development of realtor referrals, branch referrals, personal established book of business and referrals from 1st National Bank/Realtor existing relationship. 1st National Bank is a community bank that looks to help it’s Mortgage Banker’s succeed. All of our underwriting is done in-house. And you can expect to grow your business with confidence at 1st National Bank and never miss a closing date again!  

 

Qualifications

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

 

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

 

Experience:

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

 

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:

  • No

 

COVID-19 Precaution(s):

  • Personal protective equipment provided or required
  • Plastic shield at work stations
  • Social distancing guidelines in place
  • Sanitizing, disinfecting, or cleaning procedures in place