Mortgage Loan Officer
Burke & Herbert Bank & Trust • Richmond, VA25d
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Mortgage Loan Officer
Burke & Herbert Bank & Trust•Richmond, VA
About The Position
The Mortgage Loan Officer originates residential mortgage loans and handles the functions involved in bringing a loan from application through closing or decline. The role develops business through bank branches, professional and community contacts, past customers, and other personal or nontraditional sources. It works independently, manages a loan pipeline, supports borrowers and bank partners, and helps ensure timely closings and accurate, compliant loan files. The position is exempt under the Fair Labor Standards Act, has no supervisory responsibilities, and is compensated 100% by commission. Mortgage Loan Officers are customarily and regularly engaged in making sales away from the bank’s places of business. Travel may be required.
Requirements
- At least one year of mortgage loan sales experience.
- An active NMLS number.
- Origination and sales experience.
- Ability to communicate and work well with the public.
- Ability to analyze credit information needed to originate and assist in processing residential loan applications.
- Knowledge of lending compliance requirements and general knowledge of conventional and government loans available to consumers.
- Ability to work with secondary-market investors and ensure loans meet established guidelines.
- Strong attention to detail and commitment to maintaining the integrity and accuracy of loan data.
- Ability to work independently inside and outside the office, manage a loan pipeline, and follow up with borrowers, bank partners, and business sources.
- Ability to work toward timely loan closings.
Nice To Haves
- College degree preferred.
- Encompass experience preferred.
- High level of experience with FHA, VA, USDA, and VHDA loans.
Responsibilities
- Develop application sources through internal and external centers of influence, including bank branches, realtors, builders, stockbrokers, financial planners, attorneys, accountants, and past customers.
- Develop new business from personal and nontraditional resources.
- Complete residential loan applications, collect required data and documents, assign loan numbers, and enter or upload application information into Encompass.
- Submit applications to Desktop Underwriter, Loan Prospector, or another decision engine.
- Issue initial disclosures accurately and in a timely manner, and follow up on conditions needed to close or decline loans.
- Price and lock interest rates with investors in accordance with bank pricing expectations, and monitor lock expiration dates for closing and delivery.
- Call on bank branches in the assigned territory and introduce market applicants to appropriate bank personnel.
- Generate new bank leads from outside sources and explore cross-selling bank products in consultation with bank personnel.
- Collect fees in accordance with bank standards and participate in opportunities to promote the bank as requested.
- Maintain lending compliance, including early disclosures, government monitoring, high-priced mortgage loan documentation, and customer information procedures.
- Manage the loan pipeline and follow up with borrowers, bank partners, and business sources to support timely loan closings.
- Meet the expected minimum closed loan volume of $1,000,000 per month after 60 days.
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What This Job Offers
Job Type
Full-time
Education Level
No Education Listed
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