Sr. Mortgage Loan Officer - Residential Lending

WesBanco Bank, Inc.•Franklin, TN

About The Position

The Sr. Mortgage Loan Officer originates residential mortgage loans in accordance with industry and bank standards, generates 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 serves as an expert on WesBanco’s mortgage products, programs, and the mortgage industry. The officer guides customers through the mortgage process, from identifying suitable loan products and pre-qualifying purchase customers to completing applications, collecting and reviewing documentation, initiating disclosures, and delivering complete applications to processing partners. The role sets customer expectations, keeps customers informed, coordinates weekly pipeline calls, and maintains accurate information in the bank’s CRM systems. The position promotes WesBanco mortgage services in branches and the real estate community, cross-sells bank products, supports referral relationships across bank partners, and provides professional service to customers and mortgage team members. The officer must follow applicable banking laws, regulations, policies, procedures, and compliance training requirements, 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; registration must be completed within 30 days of hire.
Proficiency with Microsoft Office products, including Outlook, Word, and Excel.
Ability to learn banking software programs.
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 reasoning to written, oral, or diagrammed instructions and resolve problems involving several concrete variables in standardized situations.
Clear, concise, effective written and oral communication skills.
Professional demeanor in appearance, interpersonal relations, work ethic, and attitude.
Willingness to provide service that differentiates the bank from competitors.

Nice To Haves

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

Responsibilities

Serve as a content expert on WesBanco’s mortgage programs and products and the mortgage industry.
Identify customers’ needs and match them with appropriate mortgage products and programs.
Pre-qualify purchase customers as requested.
Complete accurate loan applications in WesBanco’s current origination system.
Obtain and review all required customer documentation, credit information, and other information for compliance with industry and bank standards.
Document and communicate unanswered questions identified during review of customer information.
Initiate preparation of customer disclosures with 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 share information, identify needs, assign responsibility, and set completion timelines.
Promote WesBanco mortgage services in the real estate community by attending realtor functions, community events, and industry educational opportunities.
Work with assigned branches to establish 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 bank CRM sales-stage information so referral sources can view referral progress and qualify for sales incentive payouts.
Maintain bank and residential CRM systems and include current and past clients in ongoing contact campaigns.
Promote and cross-sell bank products and services.
Adhere to the terms of the Service Level Agreement and meet assigned minimum milestones.
Provide professional service to mortgage customers, underwriters, processors, and closers.
Engage bank partners, including Retail, Commercial, and Private Banking, to strengthen relationships and maximize referral opportunities.
Follow applicable banking policies, procedures, laws, rules, and regulations, and complete assigned compliance training on time.
Maintain a current and active NMLS number and complete registration within 30 days of hire.