Mortgage Loan Officer - Raleigh, NC

Huntington National Bank•Raleigh, NC

27d•Onsite

About The Position

The Mortgage Loan Officer develops profitable, high-quality residential mortgage business by building relationships with community members, clients, and internal and external referral sources. The role evaluates prospective customers’ credit potential and financial information, recommends mortgage and other financial products suited to their needs, and explains the advantages and disadvantages of available products. The Mortgage Loan Officer advises customers on completing loan applications and provides customer service throughout the approval and closing process, working with loan origination sources to secure and verify information needed for underwriting. The position also maintains client relationships, cross-sells financial products and services, and keeps current on lending policies, regulations, pricing, and product information. This role is considered a Mortgage Loan Originator under the SAFE Act and a Loan Originator under the Truth in Lending Act; registration and additional qualifications are required. The position is designated as an office workplace type. Certain positions outside the branch network may be eligible for flexible arrangements combining in-office and work-from-home time; specific arrangements are provided by the hiring team. Applicants must be authorized to work in the United States on a full-time basis. Huntington will not sponsor applicants for immigration benefits.

Requirements

High school diploma or GED.
One or more years of mortgage loan origination experience.
NMLS license.
Registration and additional qualifications required for the Mortgage Loan Originator role under the SAFE Act and the Loan Originator role under the Truth in Lending Act.
Currently authorized to work in the United States on a full-time basis.
Knowledge of mortgage loan products, including conventional, FHA/VA, construction lending, and portfolio programs.
Knowledge of mortgage procedures, documentation, and underwriting guidelines.
Demonstrated ability to identify opportunities to cross-sell financial products and services.
Effective written and verbal communication skills.
Strong organizational skills.
Ability to multitask.
PC and Internet skills.

Nice To Haves

Mortgage loan origination experience at a bank.
Pipeline and book of business.
Bachelor’s degree.

Responsibilities

Develop new and expand internal and external referral sources to grow mortgage business.
Build and maintain business relationships within the community.
Use consultative selling techniques to advise clients on mortgage loan options and other financial products.
Evaluate prospective customers’ credit potential and analyze their personal financial information to identify suitable products.
Explain the advantages and disadvantages of differing financial products and provide recommendations.
Advise customers on completing loan applications.
Provide customer service from approval through closing, working with loan origination sources to secure and verify information required for underwriting.
Maintain client relationships and cross-sell financial products and services.
Keep up to date on lending policies, regulations, pricing, and product information.
Perform other duties as assigned.