Mortgage Loan Officer

Home Bank SB•Greenwood, IN

1d•Onsite

About The Position

The mortgage loan officer is responsible for developing new business, structuring and the closing of mortgages, as well as maintain and servicing an existing portfolio. This position operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. The role requires the employee to be regularly able to talk or hear, and frequently stand, walk, use hands to finger, handle or feel, and reach with hands and arms. This is a full-time position with standard hours of Monday through Friday, 8:30am to 5pm, but may require long hours and weekend work. Travel may also be expected for this position.

Requirements

Four year degree or significant related business experience.
Three to five years' relevant experience.
Computer skills.
Communications skills.
Utilization of office equipment.
General business and financial knowledge.
Mortgage Loan Officer job knowledge.
Knowledge of department-related financial services regulations and compliance.
Knowledge of lending and lending policies and procedures.
Strong knowledge of the company's products and services.
Knowledge of the company's operations and management.

Nice To Haves

This position may require supervisory responsibilities.

Responsibilities

Developing new business, structuring and closing mortgages.
Maintaining and servicing an existing portfolio.
Originating investment quality mortgage loans (FHA, VA, conventional, non-conforming) by selling mortgage lending products and services to the realtor and home builder communities.
Servicing mortgage referrals from banking centers.
Providing excellent customer service to both internal and external customers.
Discussing customer needs, problems, and complaints with appropriate people within the bank.
Assisting in developing products and services that satisfy customers and results in profitable sales for the bank.
Making retention and business development calls on existing customers and prospects.
Representing the bank at community functions to enhance its image and develop new business.
Arranging meetings between clients or prospects and appropriate people from the bank.
Communicating in a straightforward and assertive fashion.
Updating relevant people with timely information.
Listening carefully to what others are saying.
Respecting and considering all opinions, even counter-opinions.
Assuming responsibility for mistakes and failures.
Demonstrating consistency between what is said and what is done.
Behaving according to sound ethical and legal standards.
Being respectful of others.
Balancing individual goals with team goals.
Building and maintaining productive relationships with people throughout the organization.
Maintaining composure in frustrating situations.
Demonstrating flexibility in working with others.
Adapting to help others adapt to change.
Learning about each customer's unique financial situation.
Learning about each customer's credit and ability to repay their loans.
Following the bank's lending policies and procedures.
Ensuring that the bank makes prudent lending decisions.
Ensuring compliance with all relevant laws and regulations.
Answering customer questions and fully addressing their concerns.
Managing difficult customer situations and treating others with respect.
Maintaining a neat and professional appearance.
Maintaining an overall knowledge of the bank's products and services.
Cross-selling the bank's products and services to its customers and prospects.
Complying with all state and federal laws and regulations as per the Bank's compliance policies and procedures.