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Posted : Tuesday, November 14, 2023 08:34 PM
Job Title: Mortgage Loan Officer
Job Status: Full Time
FSLA Status: Non-Exempt
JOB DESCRIPTION
Summary/Objective
The Mortgage Loan Officer is responsible for developing new business, underwriting, structuring, and the closing of mortgages, as well as maintaining and servicing an existing portfolio.
Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Demonstrates strong working knowledge of bank products, services, policies and procedures.
Utilizes sales management training and tools to identify and refer current and prospective clients.
Effectively partners with other team members and departments to deliver the full complement of Legence Bank products and services.
Manages relationships to increase cross-sell and maintain high customer retention.
Cross-sell all applicable products and services to an existing portfolio of customers with the goal of being that customer’s lead or primary bank.
Work closely with assigned area Branch Managers and Loan Team to deepen existing relationships and acquire new prospective relationships.
Prospect for clients independently by utilizing referral sources, existing customers, Top 100 and centers of influence.
Originate investment quality mortgage loans (FHA, VA, conventional, non-Conforming) by selling mortgage lending products and services.
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
Review and update credit and loan files.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Exhibit excellent interpersonal and communication skills, providing an environment of open and authentic communication.
Adhere to all Legence Bank and AFMFS Hoopla standards, serving as an example to other team members, as well as to our customers.
Represent and promote the Company within the community through participation in bank sponsored events, philanthropic opportunities and civic events.
All other duties as assigned Competencies Ethical Goal Oriented Relationship Building Communication Tactful Customer Oriented Initiative Judgment Reliability Working Under Pressure Supervisory Responsibility This position has no direct supervisory responsibilities.
Work Environment This job operates in a professional office environment.
This role routinely uses standard office equipment including, but not limited to, computers, fax machines, scanning equipment.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to talk and hear.
Specific vision abilities required by this job include close vision, distance vision, color vision and ability to adjust focus.
This position requires the ability to occasionally lift office products and supplies, up to 20 pounds.
Position Type/Expected Hours of Work The employee must be available during the "core" work hours of 8:00 a.
m.
to 5:00 p.
m.
Monday through Friday.
Travel This position will travel within a set footprint, with most travel occurring during the business day, although some out-of-the-area and overnight travel may be expected.
Required Education and Experience High School Diploma or Equivalent 3 Years Goal-Driven Sales Experience Preferred 2 Years Mortgage Lending Experience Preferred Proficient in Microsoft Office Able to quickly learn new software Valid Driver’s License Additional Eligibility Qualifications Work Authorization/Security Clearance (if applicable) AAP/EEO Statement Legence Bank is an Equal Opportunity/Affirmative Action employer.
All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, age, disability, protected veteran status, or any other characteristics protected by law.
Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.
Duties, responsibilities and activities may change at any time with or without notice.
Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Demonstrates strong working knowledge of bank products, services, policies and procedures.
Utilizes sales management training and tools to identify and refer current and prospective clients.
Effectively partners with other team members and departments to deliver the full complement of Legence Bank products and services.
Manages relationships to increase cross-sell and maintain high customer retention.
Cross-sell all applicable products and services to an existing portfolio of customers with the goal of being that customer’s lead or primary bank.
Work closely with assigned area Branch Managers and Loan Team to deepen existing relationships and acquire new prospective relationships.
Prospect for clients independently by utilizing referral sources, existing customers, Top 100 and centers of influence.
Originate investment quality mortgage loans (FHA, VA, conventional, non-Conforming) by selling mortgage lending products and services.
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
Review and update credit and loan files.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Exhibit excellent interpersonal and communication skills, providing an environment of open and authentic communication.
Adhere to all Legence Bank and AFMFS Hoopla standards, serving as an example to other team members, as well as to our customers.
Represent and promote the Company within the community through participation in bank sponsored events, philanthropic opportunities and civic events.
All other duties as assigned Competencies Ethical Goal Oriented Relationship Building Communication Tactful Customer Oriented Initiative Judgment Reliability Working Under Pressure Supervisory Responsibility This position has no direct supervisory responsibilities.
Work Environment This job operates in a professional office environment.
This role routinely uses standard office equipment including, but not limited to, computers, fax machines, scanning equipment.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
While performing the duties of this job, the employee is regularly required to talk and hear.
Specific vision abilities required by this job include close vision, distance vision, color vision and ability to adjust focus.
This position requires the ability to occasionally lift office products and supplies, up to 20 pounds.
Position Type/Expected Hours of Work The employee must be available during the "core" work hours of 8:00 a.
m.
to 5:00 p.
m.
Monday through Friday.
Travel This position will travel within a set footprint, with most travel occurring during the business day, although some out-of-the-area and overnight travel may be expected.
Required Education and Experience High School Diploma or Equivalent 3 Years Goal-Driven Sales Experience Preferred 2 Years Mortgage Lending Experience Preferred Proficient in Microsoft Office Able to quickly learn new software Valid Driver’s License Additional Eligibility Qualifications Work Authorization/Security Clearance (if applicable) AAP/EEO Statement Legence Bank is an Equal Opportunity/Affirmative Action employer.
All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, age, disability, protected veteran status, or any other characteristics protected by law.
Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.
Duties, responsibilities and activities may change at any time with or without notice.
• Phone : NA
• Location : 1133 North Carbon Street, Marion, IL
• Post ID: 9001467062
