Mortgage Lender - Palmyra

Homebank•Palmyra, MO

8d•Onsite

About The Position

The Mortgage Lender originates residential mortgage and installment loans, including secondary-market and portfolio loans such as HELOCs and construction loans. The role evaluates loan programs to match borrowers’ needs and qualifications, markets residential loan products, and generates business through realtor relationships, community involvement, and self-sourcing. This is an in-person position in Palmyra, not a remote position. The Mortgage Lender interviews clients, processes complete applications, obtains required documentation, orders credit reports, appraisals, title insurance, flood certifications, and other inspections, and maintains origination software and pipeline records. The role creates and completes mortgage files for underwriting, resolves application defects, coordinates interest-rate locks, and closes approved loans in accordance with guidelines. It also maintains communication with clients and referring staff throughout and after the loan process, handles required adverse-action notices, collects delinquent credit for the portfolio, attends weekly Loan Committee meetings, and assists other loan officers. The position also supports branch goals, provides customer service, identifies opportunities to cross-sell or refer other bank products, and maintains working knowledge of relevant banking regulations, policies, lending products, deposit products, and e-banking services. Employees are expected to complete annual assigned training and policy acknowledgments, communicate problems to a supervisor, collaborate with coworkers, adapt to changing duties, and complete work efficiently and accurately. The role is performed in a standard business-office environment with moderate noise, office lighting, computers, phones, and printers. It may involve working in a confined area and sitting at a computer terminal for extended periods. Regular, predictable attendance is required. Physical demands include sitting, standing, speaking, hearing, using a computer and telephone, reaching, stooping, kneeling, twisting, bending, and lifting or moving up to 25 pounds. Reasonable accommodations may be made for individuals with disabilities.

Requirements

Be willing and able to obtain an NMLS license, including registration, background check, and fingerprinting.
Maintain working knowledge of banking laws and regulations and internal policies and procedures related to the job.
Maintain working knowledge of the bank’s lending, deposit, and e-banking products and services.
Be proficient with computer skills, including Microsoft Word, Excel, and web-based applications such as data entry and email.
Ability to communicate verbally and in writing.
Ability to meet the physical demands of the job, including lifting or moving up to 25 pounds, with reasonable accommodations available as applicable.

Nice To Haves

Lending Department or sales experience is preferred but not required.

Responsibilities

Become familiar with residential loan products and market them to potential borrowers.
Evaluate loan programs to identify options suited to borrowers’ needs and qualifications.
Originate mortgage loans, including secondary-market and portfolio products such as HELOCs and construction loans, as well as installment loans.
Interview clients and process complete loan applications.
Obtain required documentation and order credit reports, appraisals, title insurance, flood certifications, and other required inspections.
Generate new business through realtor relationships, community involvement, and self-sourcing.
Provide a superior level of customer relations and service.
Identify opportunities to cross-sell other bank products and refer clients to appropriate bank personnel.
Assist in attaining established branch goals.
Enter data into origination software and maintain a pipeline record of clients in process.
Create, maintain, and complete mortgage origination files for submission to underwriting.
Expedite loan applications by resolving defects quickly and professionally.
Coordinate and lock interest rates on approved loans.
Close underwriter-approved loans professionally and in accordance with guidelines.
Communicate successfully with clients and referring staff throughout and after the mortgage loan process.
Oversee required adverse-action notices.
Collect delinquent credit for the portfolio.
Attend weekly Loan Committee meetings.
Assist other loan officers as needed.
Communicate problems to the supervisor.
Complete assigned mandatory Continuity ToDo’s and BAI online courses annually.
Read the Internet Policy, Employee Handbook, and Disaster Recovery Plan annually and acknowledge having read them.
Sign the Customer Confidentiality & Privacy Statement annually.
Work as a team with coworkers and the supervisor, remain flexible as duties arise, prioritize work, and complete daily duties and assigned tasks efficiently and accurately.
Maintain regular, predictable attendance and perform other related duties as required or assigned.