Residential Mortgage Loan Officer

1 month ago

Clinton, United States Unity Bank Full time
Job DescriptionJob Description

Position Summary

The Mortgage Loan Officer is responsible for managing and growing profitable residential lending relationships. The incumbent will be responsible for originating and pre-qualifying mortgage loans, ensuring that goals are met, adhering to all applicable policies and procedures , and satisfying customer needs.

Essential Functions

  • Responsible for originating self-generated mortgage loans in addition to loans referred by Unity Bank referral sources.
  • Conduct evaluations of borrowers' financial statuses.
  • Counsel prospective borrowers to assist them in obtaining mortgage financing, and maintain regular contact with borrower(s) once a pre-qualification has been issued.
  • Assist mortgage operations in obtaining documentation for underwriting and closing of submitted applications.
  • Provide bank personnel and customers with information on current interest rates and new mortgage products.
  • Actively enhance the financial relationship of the mortgagee by cross selling Unity Bank products and services where applicable.
  • Contact and develop interpersonal relationships with prospective lead sources such as real estate professionals and prospective borrowers.

Additional Functions

  • Work towards meeting targets set by management.
  • Generate leads in the local area through existing customers and other lead sources such as networking and community events.
  • Maintain knowledge of current bank products and mortgage lending laws and guidelines .


Job Requirements and Qualifications

Education and Experience

  • High school diploma.
  • Five years of experience in mortgage lending.
  • Must have existing book of business.

Licenses and Certifications

  • NMLS registration.

Skills, Knowledge, and Abilities

  • Excellent computer skills in a Microsoft Windows environment including proficiency in Word and Excel.
  • Thorough knowledge of mortgage laws, federal and state, as well as Fannie Mae, Freddie Mac & FHA guidelines.
  • Knowledge of loan origination systems.
  • Knowledge of market trends in the mortgage industry.
  • Ability to ascertain customer needs and advise on appropriate products and services.
  • Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference and volume.
  • Ability to read, analyze, and interpret legal documents, governmental regulations, and professional publications.
  • Ability to effectively present information and respond to inquiries from senior management, attorneys, vendors, government agents, and the general public; ability to write reports and business correspondence.
  • Ability to apply common sense understanding to carry out written and oral instructions. Ability to deal with problems involving several concrete variables in standardized situations.
  • Ability to work independently with little supervision.

Physical Requirements

  • Ability to sit for long periods of time up to 75% of work hours.
  • Ability to talk, listen, read, write and see.
  • Ability to use hands to grasp, handle or feel.
  • Ability to use standard office equipment such as a telephone, Blackberry, computer keyboard, telephone, copier, fax machine, and calculator.


Working Conditions


  • Moderate sound as in business office with office machines, computers, and people traffic.
  • Potential work in very loud areas while traveling such as road construction sites.
  • Travel up to 70% of working hours.


Unity Bank is an Equal Employment Opportunity/Affirmative Action Employer

Minorities/Females/Individuals with Disabilities/Veterans


This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment.

This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods or otherwise balance the workload.

Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.


Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job, unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

  • Residential Mortgage Loan Officer

    1 week ago

    Clinton, United States Unity Bank Full time

    Job DescriptionJob DescriptionPosition SummaryThe Mortgage Loan Officer is responsible for managing and growing profitable residential lending relationships. The incumbent will be responsible for originating and pre-qualifying mortgage loans, ensuring that goals are met, adhering to all applicable policies and procedures , and satisfying customer...

  • Residential Mortgage Loan Officer

    1 week ago

    Clinton, United States Unity Bank Full time

    Position SummaryThe Mortgage Loan Officer is responsible for managing and growing profitable residential lending relationships. The incumbent will be responsible for originating and pre-qualifying mortgage loans, ensuring that goals are met, adhering to all applicable policies and procedures , and satisfying customer needs.Essential FunctionsResponsible for...

  • Mortgage Loan Originator

    2 weeks ago

    Port Clinton, United States Howard Hanna Real Estate Services Full time

    Mortgage Loan Originator  Location: Port Clinton, OH Howard Hanna Mortgage is looking for motivated Loan Originators who want to contribute to Howard Hanna Mortgage’s mission of providing top level service to our clients, colleagues, and the communities we service. Our affiliation with Howard Hanna Real Estate Services, the third largest real estate...

  • Residential and Consumer Lender

    1 week ago

    Port Clinton, United States First National Bank Full time

    Job DescriptionJob DescriptionDescription:Job Title: Residential/Consumer LenderReports to: Chief Lending OfficerJob Type: Full TimePosition Overview: Originates residential and consumer loans in a community banking environment. Counsels customers, takes applications, conducts preliminary underwriting reviews, and submits loan applications to processing and...

  • Residential and Consumer Lender

    4 weeks ago

    Port Clinton, United States First National Bank Full time

    Job DescriptionJob DescriptionDescription:Job Title: Residential/Consumer LenderReports to: Chief Lending OfficerJob Type: Full TimePosition Overview: Originates residential and consumer loans in a community banking environment. Counsels customers, takes applications, conducts preliminary underwriting reviews, and submits loan applications to processing and...

  • Mortgage Underwriter II

    1 month ago

    Clinton, United States Unity Bank Full time

    Position Summary: Responsible for underwriting and approving mortgage loan applications that maximize organizational profit and minimize risk. The position supports the branches, sales and operations functions of the Bank through accurate, timely and professional communication and rendering of sound credit decisions. Essential Functions Underwrite and...

  • Mortgage Underwriter II

    2 weeks ago

    Clinton, United States Unity Bank Full time

    Position Summary: Responsible for underwriting and approving mortgage loan applications that maximize organizational profit and minimize risk. The position supports the branches, sales and operations functions of the Bank through accurate, timely and professional communication and rendering of sound credit decisions. Essential Functions Underwrite and...

  • Mortgage Underwriter II

    1 month ago

    Clinton, United States Unity Bank Full time

    Job DescriptionJob DescriptionPosition Summary: Responsible for underwriting and approving mortgage loan applications that maximize organizational profit and minimize risk. The position supports the branches, sales and operations functions of the Bank through accurate, timely and professional communication and rendering of sound credit decisions.Essential...

  • Mortgage Underwriter II

    3 weeks ago

    Clinton, United States Unity Bank Full time

    Job DescriptionJob DescriptionPosition Summary: Responsible for underwriting and approving mortgage loan applications that maximize organizational profit and minimize risk. The position supports the branches, sales and operations functions of the Bank through accurate, timely and professional communication and rendering of sound credit decisions.Essential...

  • Mortgage Underwriter II

    3 weeks ago

    Clinton, United States Unity Bank Full time

    Job DescriptionJob DescriptionPosition Summary: Responsible for underwriting and approving mortgage loan applications that maximize organizational profit and minimize risk. The position supports the branches, sales and operations functions of the Bank through accurate, timely and professional communication and rendering of sound credit decisions.Essential...

  • Consumer and Construction Loan Processor

    2 weeks ago

    Clinton, United States Unity Bank Full time

    **Position Summary** **Essential Functions** - Responsible for collection, review, and ordering all required construction draw documentation. - Evaluate all new loan documentation upon receipt to ensure accuracy and completeness. - Review loan data in LOS to ensure accurate, complete and timely information has been entered by the loan officers. - Compile...

  • Loan Associate Ii

    2 weeks ago

    Clinton, United States Unity Bank Full time

    **Position Summary**:Responsible for performing various tasks associated with the servicing of the Commercial, Consumer and SBA loans. This includes the servicing from the time the loan is boarded on the servicing system thorough the payoff and collateral release phase. Cross train on the various processes in servicing the loan and be able to provide backup...

  • Consumer and Construction Loan Processor

    2 weeks ago

    Clinton, United States Unity Bank Full time

    Job DescriptionJob DescriptionPosition SummaryThe consumer and construction loan processor is responsible for the management and processing of a consumer construction loan application pipeline. The incumbent supports the sales and operations functions of the consumer lending department through accurate, timely, and professional communication and...

  • Loan Associate II

    1 month ago

    Clinton, United States Unity Bank Full time

    Job DescriptionJob DescriptionPosition Summary: Responsible for performing various tasks associated with the servicing of the Commercial, Consumer and SBA loans. This includes the servicing from the time the loan is boarded on the servicing system thorough the payoff and collateral release phase. Cross train on the various processes in servicing the loan and...

  • Loan Associate II

    4 weeks ago

    Clinton, United States Unity Bank Full time

    Job DescriptionJob DescriptionPosition Summary: Responsible for performing various tasks associated with the servicing of the Commercial, Consumer and SBA loans. This includes the servicing from the time the loan is boarded on the servicing system thorough the payoff and collateral release phase. Cross train on the various processes in servicing the loan and...

  • Loan Associate II

    2 weeks ago

    Clinton, United States Unity Bank Full time

    Position Summary: Responsible for performing various tasks associated with the servicing of the Commercial, Consumer and SBA loans. This includes the servicing from the time the loan is boarded on the servicing system thorough the payoff and collateral release phase. Cross train on the various processes in servicing the loan and be able to provide backup...

  • Loan Officer

    1 month ago

    Clinton, United States Farm Credit Council Full time

    Loan Officer - Clinton AgCarolina Farm Credit is seeking a Commercial Loan Officer at our location in Clinton, NC. In this role, the Loan Officer will work independently to originate and service loans, market financial services, and develop strong working relationships with our customers, while growing our business in their assigned territory. This role will...

  • Loan Officer

    4 weeks ago

    Clinton, United States Farm Credit Council Full time

    Loan Officer - Clinton AgCarolina Farm Credit is seeking a Commercial Loan Officer at our location in Clinton, NC. In this role, the Loan Officer will work independently to originate and service loans, market financial services, and develop strong working relationships with our customers, while growing our business in their assigned territory. This role will...

  • Mortgage Field Services Inspector

    1 month ago

    Clinton, United States Far Inspections Full time

    Job DescriptionJob DescriptionFAR Inspections is looking for highly motivated individuals to perform residential occupancy verifications on behalf of mortgage lenders.Independent contractors earn predictable full-time or supplemental income and enjoy a flexible schedule. Experience with mortgage field inspections is not required but an ability to...

  • Mortgage Field Services Inspector

    4 weeks ago

    Clinton, United States Far Inspections Full time

    Job DescriptionJob DescriptionFAR Inspections is looking for highly motivated individuals to perform residential occupancy verifications on behalf of mortgage lenders.Independent contractors earn predictable full-time or supplemental income and enjoy a flexible schedule. Experience with mortgage field inspections is not required but an ability to...