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Residential Mortgage Loan Officer

Responsibilities:

  • Assists customers with inquiries and information requests, and resolves inquiries relating to loan products and services offered.
  • Interviews applicant and requests specific information for loan application and enters data into origination software.
  • Analyzes the applicant s financial status, credit, and property for the loan to determine feasibility of loan options and loan program requirements.
  • Compiles loan package and provides the applicant information, such as rates, terms, fees, and other credit terms.
  • Corresponds with the applicant to resolve questions regarding application information, and requests documentation or information to improve the loan application process.
  • Ensures loan applications are complete and accurate.
  • Submits loan application to processor.
  • Works with applicants to assures timely loan closing.
  • Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
  • Identifies and analyzes potential loan markets to develop prospects for residential real estate loans.
  • Devise personal marketing system and annual business plan.

Qualifications

Ideally the person will have 5 to 7 years of mortgage loan origination experience.

  • Analytical - Collects and researches data; Uses intuition and experience to complement data.
  • Problem Solving - Identifies and resolves problems in a timely manner; Develops alternative solutions.
  • Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs.
  • Interpersonal - Maintains confidentiality.
  • Oral Communication - Speaks clearly and persuasively in positive or negative situations.
  • Team Work - Exhibits objectivity and openness to others' views.
  • Written Communication - Writes clearly and informatively; Varies writing style to meet needs; Able to read and interpret written information.
  • Leadership - Exhibits confidence in self and others;
  • Business Acumen - Aligns work with strategic goals.
  • Cost Consciousness - Contributes to profits and revenue.

Diversity - Shows respect and sensitivity for cultural differences.

Ethics - Treats people with respect; Upholds organizational values.

Adaptability - Adapts to changes in the work environment; Changes approach or method to best fit the situation. Attendance/Punctuality - Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time. Innovation - Meets challenges with resourcefulness.

Planning/Organizing - Organizes or schedules other people and their tasks.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure.

Quality - Monitors own work to ensure quality and meets productivity standards.

Education:

High school diploma or general education degree (GED)

Certificates and Licenses:

Must have NMLS. Certain states require licensing. Experience in origination/processing of FHA, VA, other government and Conventional loans.

EEO/AA/M/F/Veteran/Disability



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