Mortgage Loan Officer

HomeTrust Bank•Charlottesville, VA

17d

About The Position

The Mortgage Loan Officer solicits and originates mortgage, real estate-related, and other HomeTrust Bank loan products. The role counsels borrowers to help them select loan products suited to their circumstances, assesses options for customer needs, and makes appropriate recommendations. It analyzes prospective borrowers’ income and debt, addresses credit-record or other problems with borrowers, and pre-qualifies applicants. The position works with customers throughout the home-buying and financing process, maintains a personal loan pipeline, and coordinates with Loan Processors through underwriting and processing. It also responds to inquiries about active loans and bank offerings, cross-sells products and services as appropriate, and provides borrower disclosures, including Truth in Lending and Good Faith Estimates. The job operates in a professional office environment and routinely uses standard office equipment. HomeTrust Bank states that reasonable accommodations are available for qualified applicants and employees.

Requirements

High school diploma or equivalent.
At least 3 years of experience as a retail loan originator, processor, sales assistant, or equivalent, with a proven sales record.
Good basic computer skills.
Must be bondable.
Valid driver’s license.
Ability to understand and use bank loan policies and procedures to support positive customer interactions.
Ability to communicate effectively with customers, staff, and the general public in a positive, problem-solving manner.
Ability to listen to and convey detailed information, important instructions, and ideas accurately and quickly.
Ability to think and act independently within bank policy guidelines and assigned authority.
Proficiency in Microsoft Office products.

Nice To Haves

College degree in a related field.

Responsibilities

Solicit and originate mortgage, real estate-related, and other bank loan products.
Interview customers and complete detailed loan applications.
Pre-qualify borrowers using standard underwriting procedures.
Counsel customers on the home-buying and financing process.
Analyze prospective borrowers’ income and debt, discuss credit-record or other problems, and recommend suitable loan options.
Develop and maintain a personal loan pipeline.
Work with Loan Processors to facilitate loan underwriting and processing.
Answer telephone and written inquiries about active loans and bank loan offerings.
Cross-sell financial institution products and services as appropriate.
Provide borrower disclosures, including Truth in Lending and Good Faith Estimates.