Mortgage Loan Officer - Market

LCNB National Bank•Worthington, OH

18d•$50,000 - $100,000•Hybrid

About The Position

LCNB National Bank is seeking a Mortgage Loan Officer for its Columbus, Ohio market. The position originates residential real estate mortgage loans in accordance with bank product guidelines and handles loan processing through delivery to an inside processor. Its primary focus is growing mortgage production outside bank branches by building business relationships with realtors, builders, financial professionals, past customers, bank stores, and other referral sources, as well as leveraging any existing book of business. The role has no defined territory and is expected to continually develop a network of referrals, collect and review supporting loan documentation, and meet minimum production and quality standards. The Mortgage Loan Officer must comply with consumer and real estate lending laws and requirements. The position is based in the Columbus market, with a hotel office in retail banking centers and occasional remote work. The role is full-time, salaried non-exempt, with a 40-hour work week and a schedule determined by the Mortgage Loan Officer. Compensation is commission-based, with target annual earnings of $50,000–$100,000 or more; the structure depends on experience, qualifications, and business development portfolio, and actual earnings vary with performance and business results. The associate is responsible for complying with applicable state and federal laws and regulations and LCNB policies and procedures. Loan Officer positions must meet Consumer Financial Protection Bureau qualification requirements. The incumbent must be able to perform the essential functions with or without reasonable accommodation.

Requirements

At least 2 years of experience originating FHA, VA, USDA, and conventional loans.
High school diploma or GED equivalent.
Meet Consumer Financial Protection Bureau qualification requirements for Loan Officer positions.
Ability to work outside the office 50% or more of the time and travel to and from bank offices and third-party locations.
Ability to perform the essential functions of the position with or without reasonable accommodation.

Nice To Haves

An existing pipeline and book of business of local referral sources.
Existing mortgage sales volume of $600,000 per month.
Experience with federal and state mortgage lending statutes, compliance, and regulatory requirements.
Knowledge of mortgage underwriting criteria and residential lending concepts and principles.
Experience in personal financial analysis and tax return analysis.
Ability to think, reason, and communicate clearly.
Ability to observe and identify details at close range.
NMLS credential obtained or transferred within 30 days of hire.
Strong computer skills and working knowledge of Microsoft Office Suite.
Knowledge of credit, underwriting, credit policy, and financial statement analysis.
Knowledge of Desktop Originator (DO) and Loan Prospector (LP).
Ability to thrive in a high-volume, fast-paced environment.
Strong organizational and time management skills, accuracy, and attention to detail.
Ability to build and maintain positive, effective relationships internally and externally.
Strong written and verbal communication skills, including communication with bank associates and third-party agencies.
Strong integrity, work ethic, and ability to achieve desired production results.

Responsibilities

Solicit residential mortgage loans from various sources.
Develop and build relationships with realtors, builders, financial professionals, bank stores, past customers, and other non-traditional sources.
Produce high-quality, compliant loans and provide excellent customer service.
Develop and maintain visibility for mortgage originations, sales, and business development.
Understand and market LCNB National Bank mortgage products, and stay informed about mortgage industry trends and developments in the assigned market.
Understand real estate appraisals, title reports, and real estate transactions.
Review and analyze financial and credit data.
Meet with applicants to answer questions and obtain information for mortgage loan applications.
Collect and upload loan documentation and financial information into the loan operating system.
Learn and operate LCNB’s loan origination system.
Communicate effectively with processing and underwriting support staff.
Maintain customer satisfaction and resolve issues effectively.
Maintain open and effective communication with customers, realtors, and other referral sources.
Attend loan closings, sales meetings, and officer meetings.
Collect and review supporting loan documentation and maintain minimum production and quality standards.
Comply with consumer and real estate lending laws, regulations, and bank policies and procedures.