Mortgage Lender

Park National Bank•Jefferson Township, OH

1d•Hybrid

About The Position

This is a non-exempt, full-time position. Responsibilities extend beyond traditional office hours, requiring availability seven days a week and evening hours at times. 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. 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. A flexible work arrangement is available for this position.

Requirements

High School diploma or equivalent required
NMLS or ability to be licensed within 30 days
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

Nice To Haves

2+ years retail banking/lending or mortgage underwriting field preferred

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