Mortgage Loan Officer - Residential Lending

WesBanco Bank, Inc.•Fort Thomas, KY

1d•Hybrid

About The Position

Originate various types of mortgage loans. Generate bank fee income by originating secondary market loans and build or replace portfolio as directed by senior management. This position is hybrid, with the employee splitting time between remote and office work on a formalized schedule. Consideration for location will be Newport.

Requirements

Associate's degree (A.A.) or equivalent from two-year college or technical school; or six months to one year related experience and/or training; or equivalent combination of education and experience.
Mortgage loan origination lending background is required.

Nice To Haves

Knowledge of FNMA, FHLMC, FHA, and VA preferred and experience with related AUS a plus.

Responsibilities

Be the content expert on all the programs and products offered by WesBanco, as well as the overall mortgage industry.
Listen to the needs of customers and align them with the appropriate product and program to meet their mortgage needs.
Pre-Qualify purchase customers as requested.
Complete loan applications, inputting complete and accurate information in the Origination System currently utilized by WesBanco Bank.
Obtain ALL necessary documentation specific to the product, program and specific needs of the client.
Review customer provided documentation to insure it meets all industry standards, review customer credit and analyze overall information to ensure that any unanswered questions are documented and provided.
Disclose and provide the client with all required documentation within 3 days of application.
Deliver a complete application electronically to my processing partner within 3 days of application, followed by the customer provided documentation within 5 days of application.
Review realistic expectations and timeline with the customer during the initial application process.
Conduct weekly pipeline calls with your processor and/or team to ensure all information is shared, and all needs are identified with "what is needed", "who is responsible to satisfy need" and "when will it be completed."
Promote WesBanco mortgage within the real estate community by attending realtor functions, community events and educational opportunities within the industry.
Work assigned branches to ensure you are known as their mortgage expert, conduct monthly quick start meetings and do a minimum of 4 "Mortgage Days" in the branch to promote your services to the branch customers.
Communicate effective updates with customers throughout the mortgage process to ensure they have no surprises.
Maintain and update CORE Sales stage information to ensure the referral source can see the progress of the referral.
Promote and cross-sell all bank products and services.
Adhere to the terms of your Service Level Agreement (SLA).
Meet the minimum required milestones as assigned.
Provide exceptional, professional service to mortgage customers, underwriters, processors and closers.