Mortgage Lender

Park National Bank•Greenville, SC

5d•Hybrid

About The Position

This position is non-exempt and full-time. Responsibilities may extend beyond traditional office hours; seven days a week and evening hours are at times required. Associates will respond to internal and external stakeholders as needed to successfully progress the loan to closing. This position is exempt and salary. A minimum 37.5 hours is required to maintain eligibility for full-time status. Responsibilities extend beyond traditional office hours; seven days a week and evening hours are at times required. Associates will respond to internal and external stakeholders as needed to successfully progress the loan to closing. Frequent overtime may be required during peak hours. A flexible work arrangement is available for this position. Travel will be required to meet with clients, Realtors, Community Leaders, visit various markets and regional offices. This position must be able to remain in a stationary position a maximum of 50% of the time, constantly operate a computer up to 50% of the time and be able to be in constant communication with coworkers, customers, or stakeholders to discuss and observe facts and data in order to exchange accurate information.

Requirements

High School diploma or equivalent required
2+ years retail banking/lending or mortgage underwriting field preferred
NMLS or ability to be licensed within 30 days

Nice To Haves

Interpersonal/Customer Service Skills
Written and Verbal Communication
Ability to understand and follow directions
Adaptable to change
Basic Computer Skills
Ability to influence others
Ability to build collaborative relationships
Ability to work as part of a team
Organized Skills/Detail Oriented
Analytical Thinking
Technical Expertise

Responsibilities

Originate HELOCs (Home Equity Line of Credit), portfolio loans, and fixed rate loans which are sold in secondary market including purchases and refinances
Initiate and Execute revenue generating activities including business development, customer and referral relationship development, community outreach, schedule/attend closing (if applicable) and financial education with documentation in CRM software
Manage pipeline and customer expectations through communication throughout the loan process
Structure loans according to customer goals and overall credit acceptance practices utilizing the 5 C's of credit for pre-qualifications and active loan requests
Collect, analyze and communicate with borrower the initial required information needed to process/underwrite a loan including income/assets, credit and collateral related documentation to determine qualification through the Automated Underwriting System (AUS)
Prepare write up of borrower request and any unique characteristics of the loan to assist future loan partners with assistance from regional leader or mentor and obtain appropriate loan approval.
Cross sell additional bank products and services as well as provide constructive financial counseling and plan for future loan requests
Perform tasks on loan files to comply with Freddie Mac guidelines, Mortgage Insurance guidelines or specific product requirements and bank specific details such as ordering PMI, interest rates, rate locks and in the event of denied/withdrawn applications, adverse action
Review and communicate explanation of loan disclosures including the Loan Estimate and Closing Disclosure
Maintain awareness of and adhere to Bank’s compliance requirements and risk management concepts, expectations, policies and procedures and apply them to daily tasks
Deliver a consistent, high level of service within our Serving More standards
Other duties as assigned