Senior Mortgage Loan Officer

American National Bank of Texas • McKinney, TX

4d

About The Position

The Senior Mortgage Loan Officer originates residential mortgage loans, pre-qualifies customers by assessing their creditworthiness and ability to repay, and services loans to meet or exceed the Bank’s credit quality, profitability, growth, and service objectives. The role also refers customers to appropriate bankers for cross-sales of banking products and services.

The position is subject to SAFE Act registration requirements and requires registration with the National Mortgage Licensing and Registry (NMLS).

Requirements

• 3–5 years of relevant experience in residential construction and permanent lending, with compliance training and knowledge, or equivalent experience.
• Knowledge of real estate laws and FNMA selling and servicing guidelines.
• Valid driver’s license, clean driving record, and reliable transportation for outside sales calls.
• Registration with the National Mortgage Licensing and Registry (NMLS).
• Working knowledge of Microsoft Excel and MS Word.
• Basic keyboarding and calculator skills.
• Ability to perform simple math and follow written instructions.

Nice To Haves

• Fluency in English and Spanish is encouraged.

Responsibilities

• Create, develop, and maintain relationships with referral and industry sources to originate investment-quality mortgage loans, maximize volume and income, and meet banking center profitability goals.
• Take and document complete, accurate loan applications; analyze customers’ financial condition, evaluate collateral, and determine creditworthiness and ability to repay.
• Explain the loan approval process and anticipated terms, and communicate with borrowers throughout processing, approval, and closing.
• Respond to customer inquiries and generate business through personal contacts and other bank channels.
• Identify and generate referrals for other bank services.
• Advise applicants about available options, explain differences among mortgage types, and negotiate loan terms and conditions.
• Stay current on local real estate market conditions and changes in rules and regulations for private and government-insured mortgages.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed