Job Description

• Meets with and interviews potential and current clients to understand their lending needs including first-time mortgages and refinance of existing loans.
• Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.
• Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness.
• Reviews loan applications, gathers credit histories and reports, and assesses applicants’ capacity to repay and default risk.
• Based on predetermined requirements, assesses, and grants or rejects mortgage applications.
• Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.
• Develops and maintains contacts with local realtors, developers, and builders to promote and encourage the use of bank services for residential mortgages.
• Performs other duties as assigned.

• May assist with training new mortgage officers.

• Must have a strong conversion rate from application to closed loans.
• Must be able to maintain and build centers of influence.
• Must be a self-starter with little supervision.
• Excellent interpersonal and customer service skills.
• Proficient with Microsoft Office Suite or related software.

• Three to five years of prior experience with mortgage lending or related field.
• Bachelor’s degree in Finance or Business Administration strongly preferred.
• NMLS License required.

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times. 

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