Mortgage Loan Officer

Banner Bank•Sacramento, CA

25d

About The Position

As a Mortgage Loan Officer with Banner Bank, you will join its Mortgage Lending team, which works to attract and originate real estate loans that meet the Bank’s standards for economic value and safety and contribute to the long-term profitability of its operations. The role involves developing business through Realtor and builder relationships, referrals, community outreach, and direct contact with prospective clients. You will originate loans, help move them through the Bank’s processing and underwriting workflow, and promote home ownership in the communities around your designated branch.

Requirements

High school diploma.
NMLS registration.
At least 3 years of experience in residential mortgage origination.
Proven history of consistently closing and funding loans to meet sales goals.
Knowledge of mortgage loan origination processes and procedures, regulations, and underwriting.
Effective presentation, verbal and written communication, and negotiation skills.
Knowledge of current market competition, sales strategies, trends, and activity.
Knowledge of federal and state laws and regulations relating to real estate lending.

Nice To Haves

Bachelor’s degree in Finance, Accounting, Business, or another related field.

Responsibilities

Originate real estate loans through Realtor business developed through a structured outside calling program, contractors, branch personnel referrals, general business relationships, and walk-in and call-in customers.
Ensure originated loans are entered into the Bank’s computer system and processed for submission to underwriting.
Identify opportunities and provide financing sheets for listings and Realtor or builder open houses.
Attend weekend open houses and/or subdivisions to solicit loans.
Attend regular Realtor Association and Builder Association meetings.
Attend assigned internal training sessions, internal sales meetings, and external training opportunities.
Take applications or meet with clients at Bank branch locations.
Attend closing signing appointments as needed.
Promote home ownership through community outreach around a designated branch, using inclusive marketing efforts to develop leads, loans, and banking relationships.
Conduct first-time home buyer classes at or near a branch and host booths at nonprofit community events.
Comply with Bank policies, procedures, security requirements, and government regulations.