Junior Mortgage Loan Officer

Centier Bank•Crown Point, IN

10d•$19•Remote

About The Position

The Junior Mortgage Loan Officer Program is a 12-month development program designed to prepare you to launch a successful career as a Mortgage Loan Officer. During this program, you will virtually attend the Xinnix Mortgage Academy, graduate as a Xinnix Certified Loan Officer, while also receiving mentorship and hands-on training, along with additional internal and external learning opportunities. Upon successful completion, you will transition into the Mortgage Loan Officer role. Accountable for building and maintaining relationships with referral sources to generate mortgage loan opportunities. Responsibilities include providing information during client inquiries, referencing appropriate mortgage programs and guidelines, and inviting clients to complete a mortgage loan application when appropriate. Under the direct supervision of the Mortgage Business Development Manager, this position interviews mortgage loan applicants in a professional and efficient manner by securing a complete application and all necessary supporting documentation for submission to loan processing.

Requirements

Ability to communicate professionally and effectively, both verbally and in writing, across multiple channels and other digital platforms
Ability to review, analyze, and comprehend a variety of resources, including financial information
Strong attention to detail with the ability to proofread and verify written materials
Proficiency with technology
Experience with the Microsoft Office suite.
Strong organizational and time management skills
Ability to work independently and collaboratively within a team environment
Minimum one year of consumer loan or mortgage loan experience strongly preferred
Customer service experience required

Nice To Haves

Previous sales experience preferred
Bachelor’s degree in a business-related field preferred
knowledge of banking products and services strongly preferred

Responsibilities

Make sales calls to realtors, builders, and other key referral partners to solicit mortgage loans, build relationships, and promote bank products and services
Educate applicants on loan products, costs, and closing fees associated with their loan request
Interview loan applicants to gather and document income, debt, credit history, employment, and other relevant information
Request, collect, and review required documentation including tax returns, W2s, purchase agreements, legal descriptions, verifications, and other materials necessary to process a loan application
Evaluate applicant information to determine qualification status or identify additional information needed for further consideration
Communicate with applicants to resolve discrepancies such as credit issues, unlisted debts, or missing information
Submit complete loan applications and supporting documentation to loan processing
Inform loan applicants of loan approval or denial outcomes
Participate in daily and/or weekly accountability meetings with Mortgage Business Development Manager to review performance, processes, and pipeline and weekly meetings with loan processor to review pipeline and processes
Attend and actively participate in all required meetings
Provide transparent, professional communication with team members, management, clients, business and referral partners, and prospective clients
Meet established monthly production and activity goals
Track and report the number of sales calls and business development activities
Attend loan closings
Comprehend, adhere, and maintain compliance with all bank policies, procedures, and applicable government regulations
Participate in personal and professional development opportunities, including BAI courses, Xinnix Mortgage Academy, and other internal or external programs
Represent the bank through involvement in community, business, charitable, civic, and social activities
Perform other duties as assigned