Community Mortgage Loan Officer

North State Bank • Wilmington, NC

5d

About The Position

A strong, independent community bank, North State has served customers for 25 years and counting. Headquartered in Raleigh, North Carolina, with offices in Wake and New Hanover counties, the Bank was built on and practices the core values of integrity, hard work, fairness, teamwork and consistency. We believe it’s our calling to add value to the lives of those we serve and to do so with a spirit of friendship. We are a full-service bank with focused divisions for mortgage, government lending, and the community association management industry.

North State Bank has an exciting opportunity for a Mortgage Loan Officer to be located in our Wilmington Office. The Mortgage Loan Officer generates sound and profitable mortgage loans and related fee income that are reflective of our business strategy and core values.

Requirements

• A bachelor’s degree in business or a related field; or an equivalent combination of education and experience.
• Five or more years of mortgage loan origination experience. Experience with Housing Finance Agency programs, preferred.
• Possess and maintain eligibility for NMLS registration.
• Possess a working knowledge of applicable banking and mortgage laws and regulations.
• Strong teamwork with operational staff is essential.
• Excellent written, verbal, and interpersonal communication skills.
• Proficiency with Microsoft Office Suite and underwriting systems, such as DU and LP.

Responsibilities

• Partners with Bank officers to further cultivate value-added mortgage relationships with existing Bank customers.
• Actively engages in business development and civic initiatives with contacts throughout the community, including current and prospective customers, builders and real estate brokers to achieve defined goals.
• Meets Mortgage Division customer service, performance, compliance and regulatory standards and expectations.
• Interviews and prequalifies potential loan customers.
• Takes customer loan applications and issues disclosures on appropriate loan origination software.
• Provides and explains various mortgage loan products to customers.
• Provides suggestions to customers on actions that may improve their credit worthiness, if needed.
• Collects appropriate fees from customers, such as those charged for appraisals.
• Orders appraisals.
• Obtains all necessary information for verifications and underwriting, such as financial data, tax returns, credit reports, etc.
• Ensure that all loan packages are complete and accurate prior to submission.
• Lock the loans and manage locked loan pipeline to ensure the locks remain active.
• Assists in resolving post-closing deficiencies.
• Communicates with compliance department on loans that need to be withdrawn or denied along with sending change in circumstance requests

Benefits

• North State Bank provides competitive compensation and excellent, flexible benefits program.
• With North State Bank benefits, you have the flexibility to choose what's right for you and your family.
• We hope you will see it comes down to one simple truth: North State Bank is a great place to work!

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level