Mortgage Loan Officer
About The Position
The Mortgage Loan Officer solicits and originates mortgage, real estate-related, and other HomeTrust Bank loan products. The role counsels borrowers so they can select loan products suited to their circumstances, assesses options for customer needs, and makes recommendations. It analyzes prospective borrowers’ income and debt, helps address credit-record or other issues, and prequalifies borrowers. The position works with Loan Processors to support loan underwriting and processing, maintains a personal loan pipeline, responds to inquiries about active loans and bank offerings, cross-sells relevant financial products and services, and provides required borrower disclosures. The work takes place in a professional office environment and routinely involves standard office equipment.
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 and have a 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 accurately and quickly convey detailed information, important instructions, and ideas.
- Ability to think and act independently within bank policy guidelines, limitations, and assigned personal authority.
- Proficiency in Microsoft Office products.
Nice To Haves
- College degree in a related field.
Responsibilities
- Originate mortgage loans.
- Interview customers and complete detailed loan applications.
- Prequalify borrowers using standard underwriting procedures.
- Counsel customers on the home-buying and financing process.
- Develop and maintain a personal loan pipeline.
- Work with Loan Processors to facilitate loan underwriting and processing.
- Answer telephone and written inquiries concerning active loans and bank loan offerings.
- Cross-sell financial institution products and services as appropriate.
- Provide disclosures to borrowers, including Truth in Lending and Good Faith Estimates.
- Analyze prospective borrowers’ income and debt, counsel them on credit-record or other problems, and make appropriate loan recommendations.
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What This Job Offers
Job Type
Full-time
Education Level
High school or GED
