Mortgage Loan Officer

HomeTrust Bank • Alpharetta, GA

11d • Onsite

About The Position

Primary responsibilities include the solicitation and origination of mortgage, real estate related and other HomeTrust Bank loan products. The incumbent counsels borrowers to ensure they acquire a loan product appropriate to their circumstances, assesses the best options for the customer’s needs, and makes appropriate recommendations. This position analyzes the prospective borrower’s income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower.

Requirements

• High school diploma or equivalent required.
• 3+ years of experience required as a retail loan originator, processor, sales assistant or equivalent experience with a proven sales record.
• Good basic computer skills.
• Must be bondable, and 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 accurately and quickly, detailed information, important instructions and/or ideas.
• Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority.
• Proficient in Microsoft Office products.

Nice To Haves

• College degree in related field.

Responsibilities

• Originates mortgage loans.
• Interviews customers and completes detailed loan application.
• Prequalifies borrowers using standard underwriting procedures.
• Counsels customers on home buying and financing process.
• Develops and maintains personal loan pipeline.
• Works with Loan Processor to facilitate underwriting and processing phases of loans.
• Answers telephone and written inquiries concerning active loans and bank loan offerings.
• Cross-sells financial institution products and services as appropriate.
• Provides disclosures to borrower including Truth in Lending and Good Faith Estimates.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED