Job Description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process. Mortgage Loan Officer Regular Full-Time Spartanburg, SC, US 30+ days ago Requisition ID: 2701 SUMMARY: The Mortgage Loan Officer proactively solicits new residential mortgage business and sells mortgage products to meet established loan quality and production goals. Position works with realtors, builders, and centers of influence to develop external lead sources as well as partners with branches to drive internal referrals. PRINCIPAL ACCOUNTABILITIES: Time: Description: 15% Identifies, develops, and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. 15% Responds to customer inquiries and referrals that are generated from their own contacts as well as branch referrals. 15% Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information. 15% Ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements. 5% Develops and cultivates self-generated referral sources and partnerships with retail branches. 5% Maintains current knowledge of trends and developments in local real estate market as well as regulations concerning residential mortgage lending. 5% Manages mortgage pipeline, assisting customers, inputting applications, and reviewing financial and credit data. 5% Prepares marketing plans and cross sells other bank products and services. 5% Provides service and oversees all actions during the loan origination process for managing the relationship with the customer ensuring that the mortgage loan closes based upon mutually acceptable terms. 5% Solicits customers and originates mortgage loans, interviews applicants to obtain pertinent information regarding their loan needs; initiates the lending decision process. 5% Studies and evaluates new activities, policies, programs, services and markets related to business development strategy. 5% Works with team members in Mortgage Department and other departments to provide information for prompt processing and closing of residential mortgage loan applications. BASIC QUALIFICATIONS: Bachelor's degree with 6 years of experience in mortgage lending, credit and business development or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: Familiar with Conventional, FHA, USDA, VA Lending and also HUD guidelines. Advanced financial analysts, strong credit underwriting and analytical skills. Knowledge of conventional and/or government guidelines. Knowledge of processing underwriting and/or closing procedures/federal lending regulations governing real estate lending. Strong network with centers of influence including realtors and builders. Ability to handle confidential and proprietary information. Excellent communication skills, oral and written. Ability to travel within specified region. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer #J-18808-Ljbffr

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