Mortgage Loan Officer EX

First Financial Bank•Willis, TX

13d•Onsite

About The Position

The Mortgage Loan Officer is responsible for providing secondary-market mortgage loans to consumers. The role develops business through customer contacts and referrals and works with Bank customers and personnel, real estate brokers, builders, title companies, private mortgage insurance companies, attorneys, and other related entities to offer competitive products that meet customer needs. The incumbent analyzes prospective borrowers’ financial and credit information, advises customers on mortgage products and pricing, and collects required information. The role also maintains referral relationships, provides knowledgeable customer service, follows applicable laws and regulations and Bank policies, and participates in required training and the Bank’s sales and service culture.

Requirements

High school diploma or equivalent.
Two years of mortgage loan experience and one year of real estate or sales experience; a bachelor’s degree specializing in real estate or finance may substitute for experience.
Working knowledge of mortgage lending, laws, regulations, and procedures.
Familiarity with FNMA, FHLMC, FHA, and VA regulations and guidelines, as well as other loan programs offered.
Proficiency in Microsoft Word, Excel, and related computer applications.
Ability to work with limited supervision.
Professional demeanor and effective oral communication and interpersonal skills.

Responsibilities

Proactively solicit prospects for residential secondary-market mortgage loans through customer contacts and referrals from real estate brokers, builders, title companies, private mortgage insurance companies, attorneys, and other related entities.
Interview prospective borrowers and analyze financial and credit data to determine financing objectives.
Advise customers about product and pricing policies and guidelines, and gather additional required information.
Identify, develop, and maintain personal and business relationships as recurring sources of mortgage lending referrals.
Provide exceptional customer service through knowledge of lending programs, policies, procedures, and regulatory requirements.
Demonstrate a commitment to professional ethics.
Participate in job-specific training and other required Bank training programs.
Comply with Federal and State laws and regulations, including BSA and AML requirements, and with Bank policies and procedures.
Participate in the sales and service culture, support organizational values, and follow established Bank policies and procedures.
Perform other duties as assigned.