Sr. Mortgage Loan Officer - Residential Lending

WesBanco Bank • Chattanooga, TN

2d

About The Position

The Sr. Mortgage Loan Officer originates mortgage loans in accordance with industry and bank standards, generates bank fee income through secondary market loans, and builds or replaces the bank’s portfolio as directed by senior management. The role develops relationships with internal and external referral sources and provides professional, differentiated customer service.

The officer acts as an expert on WesBanco’s mortgage programs and products and the broader mortgage industry, identifies products that fit customers’ needs, and guides clients through the application process. This includes collecting and reviewing documentation, analyzing credit and application information, initiating disclosures, delivering complete applications to processing partners, setting expectations, and providing ongoing updates. The officer coordinates regularly with processors and teams to track requirements and timelines.

The role also promotes WesBanco mortgage services in the real estate community and assigned branches, maintains CRM information and client outreach campaigns, cross-sells bank products, supports referral relationships across bank partners, and meets service-level and assigned performance milestones. The employee must maintain proficiency in applicable bank policies, procedures, and regulations, complete compliance training, and maintain an active NMLS number.

Requirements

• High school diploma or GED.
• At least three years of mortgage industry experience, or a proven high producer with either $15 million in production or 50 closed loans in a year.
• Maintain a current and active NMLS number and complete registration within 30 days of hire.
• Ability to multitask under sometimes stressful conditions.
• Ability to read, analyze, and interpret business periodicals, professional journals, technical procedures, and governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to present information effectively and respond to questions from managers, clients, customers, and the public.
• Ability to apply common-sense understanding to carry out written, oral, or diagrammed instructions and solve problems involving several concrete variables in standardized situations.
• Proficiency with Microsoft Outlook, Word, and Excel, and ability to learn banking software programs.
• Professional demeanor, strong work ethic, and effective written and oral communication skills.
• Willingness to provide a level of customer service that differentiates the bank from its competitors.

Nice To Haves

• Associate’s or bachelor’s degree in Business, Finance, Accounting, or a related field.

Responsibilities

• Originate mortgage loans in accordance with industry and bank standards, generate fee income through secondary market loans, and build or replace the portfolio as directed by senior management.
• Develop and strengthen relationships with internal and external referral sources.
• Serve as a content expert on WesBanco programs and products and the overall mortgage industry.
• Assess customer needs and match customers with appropriate mortgage products and programs.
• Pre-qualify purchase customers as requested.
• Complete loan applications with complete and accurate information in WesBanco’s current origination system.
• Obtain all documentation required for the product, program, and client’s needs; review customer documents, credit, and application information and document unanswered questions.
• Initiate preparation of customer disclosures and required documentation within three days of application.
• Deliver a complete application electronically to the processing partner within five days of application and provide customer documentation within seven days.
• Review realistic expectations and timelines with customers during the initial application process.
• Conduct weekly pipeline calls with processors and/or the team to identify needs, owners, and completion dates.
• Promote WesBanco mortgage services through realtor functions, community events, and industry educational opportunities.
• Work with assigned branches to establish mortgage expertise, conduct monthly quick-start meetings, and complete at least four Mortgage Days in the branch.
• Communicate updates to customers throughout the mortgage process.
• Maintain and update bank CRM sales-stage information so referral sources can track referrals and qualify for sales incentive payouts.
• Maintain bank and residential CRM systems so current and past clients are included in ongoing outreach campaigns.
• Promote and cross-sell bank products and services.
• Adhere to the Service Level Agreement and meet assigned minimum milestones.
• Provide exceptional, professional service to mortgage customers, underwriters, processors, and closers.
• Support and engage bank partners, including Retail, Commercial, and Private Banking, to strengthen relationships and maximize referrals.
• Perform duties in alignment with WesBanco Mortgage Success Pyramid standards.
• Maintain proficiency in bank policies and procedures and comply with applicable laws, rules, and regulations.
• Complete assigned compliance training in a timely manner and maintain a current, active NMLS number; complete registration within 30 days of hire.

What This Job Offers

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